Both. Loss of periods can happen at any age, though there are 'normal limits' as we age. GPs still think that ladies don't get into menopause until 50+
so it is important to 'go' on symptoms rather than age. If there is a history of early menopause in families it's important to get good advice, HRT can protect heart and bones for example.
I had intermittent bleeds for 2-3 years then longer gaps between then hey presto! all stopped and I've been lucky in that non of the meno-symptoms have lasted long for me. It's my itchy insteps as I step into the bath that are annoying as well as the itchiness across my back and shoulders at night. Fortunately no hot flushes >phew< ...... but atrophy crept up without any knowledge at all, fortunately my GP was observant and suggested treatment.