So at least now you are calling age  "one of the factors"...
Seriously...what a ridiculous parsing of words.
Obviously their are other factors...but most of them change as you age............because you age...
Not true for everyone, but for most of us.
Meanwhile,thanks for worrying...but my (US) cash is not down 8- 10% lately like many other "investments"...

I find it very predictable....and the fees are very low.
.
Speaking of platitudes................maybe I should change my online name here to something a bit more soothing...
"Stress Free Cat"...?