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My partner is 11.5 years older than myself. She has saved virtually nothing toward her retirement. I am 33 years old, while she is 45.

My question is as to whether couples should act separtely according to age while investing or not. Meaning, should her asset allocation be according to her age, while mine is according to my age, even though I will be continuing to work while she is retired? Or should she take more risk because she does have a partner who will be working after she has retired?

In addition, we are planning to buy a house in the next year and I am wondering if our approach should be based on both of our current salaries, even though she will be retired within 20 years of the purchase. I suppose since we will refinance over time this may not be too much of a concern?

Any thoughts are appreciated.

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