Part 4/10:
While the first two model Pies may appeal to conservative investors seeking lower-risk avenues—such as bonds—those with a higher risk tolerance, like younger investors, might lean towards equity-heavy portfolios. Historically, popular long-term retirement solutions, such as Vanguard's Target Retirement funds, begin with a significant allocation of bonds that gradually increase as investors approach retirement age.
However, for younger investors, the prevalent focus on predominantly equities could offer a promising path for growth. Trading 212 does provide options to adjust the investment style; users can select between conservative, moderate, or aggressive Pies. Despite this flexibility, the initial model Pies may not cater to those solely looking for stock investment.