More of Us Are Living to 100: How That Affects Our Finances

By 2050, the number of centenarians will be 14 times what it is today.


By 2050, the number of people in the United States living to 100 will be 14 times what it is today, or nearly 850,000, according to a recent Nielsen study. And making it to the century mark might be easier than you think, according to this story.

If you live to 100, that means you need your money to last, and most financial professionals say the only way to do that is to keep a good portion of your nest egg invested in stocks. Like me, you may not be anywhere near retirement, but it's not a bad idea to get an idea of what your investments should look like when you get close (many planners say keeping 40 to 60 percent of your portfolio in stock funds is a good bet). Here are some sample portfolios.

If you're young, the possibility of living to 100 means you should consider investing fairly aggressively. Since your portfolio has decades of tax-free growth ahead of it, downturns such as this one shouldn't be a huge concern—if history is any guide.

Check out this Life Expectancy Calculator to get a projection of how long you might live. (It's a little lengthy and seems geared to an older crowd, but it told me that my calculated life expectancy is 95.)