Abstract: The Life Cycle Based Portfolio Construction Platform Apparatuses, Methods and Systems (“LPC”) transforms LPC Server data request (e.g., see 201 in FIG. 2, etc.) inputs via LPC components into sector-based portfolio investment transaction records outputs. In various implementations, the LPC receives historical investment data indicating investment returns from a data provider, generates a risk boundary curve for equity allocation at different investor age segments based on the received historical investment data, receives a portfolio construction request, and generates a life cycle based portfolio based on the retrieved equity allocation boundary value. The risk boundary curve may include a piecewise linear line, be generated via backward induction from a senior age segment to a junior age segment, and/or be determined based on an optimal average discounted utility over a set of adverse scenarios calculated based on different equity allocation percentages.