Most of us start investing with one question in mind: How much can I earn? But with time, we realize that investing is really about what we need the money for, and when we need the money. The future doesn’t come all at once. It unfolds in phases, some predictable, others not, and how you invest should reflect that rhythm.
Think of your finances like a journey with different stops along the way. There are the “now moments” when you need liquidity, the “in-between years” where growth matters most, and the “beyond years” when your focus shifts from earning to preserving and passing on what you’ve built. Understanding these time horizons gives your investments direction and purpose, instead of letting the market’s noise drive your decisions.
That’s where Standard Chartered brings clarity. Through its Client Investment Profile (available on the SC Mobile App), the bank helps investors understand their financial goals, timelines, and appetite for risk. The tool goes beyond numbers. It helps you see your boundaries clearly:
- What goals to prioritize.
- How much you can afford to risk.
- How to balance short-term comfort with long-term ambition.
Once you understand your time horizons, your financial strategy starts to take shape:
- Your Today goals might be about stability: Covering school fees, maintaining an emergency fund, or building short-term income.
- Your Tomorrow goals focus on growth: Buying property, expanding a business, or saving for retirement.
- Your Forever goals go even deeper: Creating a legacy, supporting your family’s future, or funding causes close to your heart.
Each of these timelines deserves its own mix of assets, risk levels, and investment discipline. This kind of perspective turns investing into something more intentional. You stop chasing the next big thing and start building around your life story. Your investments stop being random bets and start becoming building blocks of the future you want.
If you’re rethinking your investment strategy as the year draws to a close, it may be the right time to get expert guidance. Standard Chartered’s wealth management team can help you align your portfolio with your Today, Tomorrow, and Forever goals, so your financial journey moves with purpose. To learn more, reach out to wealth.kenya@sc.com
