How might a recent college graduate's investment portfolio differ from someone who is nearing retirement?​ ANSWER: There are many possibilities as to why their investment portfolios will differ. For example, it is more than likely that a recent college graduate's portfolio will be more incautious. Because a college graduate has less money and more time until they retire, they can take more risks and invest more in stock. However, when someone is nearing retirement, they should invest equally in their savings account, bond, mutual fund, and stock. Thus, their investments won't have as high of a return, but there's a lower chance they will lose a great deal of money before retirement.