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What Should Your Portfolio Look Like in Retirement?
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- čas přidán 14. 08. 2024
- Your cash flow needs can help you triangulate a sensible asset mix in retirement, says Morningstar director of personal finance Christine Benz.
For all Morningstar videos: www.morningstar...
Bonds were suppose to "hold its ground during an equity market downturn".
How has that worked out lately?
Geek speak just confuses most people. Just put your money in Vanguard Wellesley and be done with it.
Would you just be taking the income or withdrawing a lump sum once a year. I guess the income on this fund wouldn't be quite enough. We don't have an equivalent Vanguard fund here in the UK. The Wellesley fund does seem to have produced good returns over the long term despite its Conservative allocation
@@fredatlas4396 I’ll be drawing down a lump sum once a year into a cash account. Wellesley pays consistently about $3 per share. More than enough for my needs. I’m sure there is something similar in the UK.
Interesting - I look at my retirement as a 20-year time period, so I am still in equities. I'm willing to live with the volatility so I can capitalize on the expected return, rather than live with 1%.
Warren Peece. Me too. But as I get closer to the withdrawal stage I think I have to put maybe 20% in cash/bonds just in case stock market is down when I have to withdraw. Otherwise I will jave to sell more shares of stock to get the money I need and will thus have fewer shares to grow when the stock market revives.
When I retired I reduced all my investments to two. Retired 6 years ago I invest every month in one bottle of Jack Daniels and Harley parts.
This was 8 years ago! In a different life time! Ha
Wouldn't 100% in dividend aristocrats offer the most favorable balance of returns and stability?
Every financial recommends bonds to some degree and it is rubbish in this market.
Very insightful strategies, many thanks!
Based on age 110 - age, so 110 - 30 = 80 % in stocks, at 65 years old 110 - 65 = 45% in stocks. .
Equity exposure should be the money you don’t need for at least a decade.
If you put your 45% in equites at age 65 and do t have enough fixed income to weather a downturn you will be selling equities at low points
If your stomach can stand it I think that overtime the S&P 500 is a reasonable approach to participate in the growth potential of the markets.
Spot on. Investing via and index like S&P is a good balance between stable returns and risk. Of course there will be short-term volatility but this is the best option to beat inflation over a longer period of time
This is really confusing to hear that somehow it is not wise for retirees to invest in bonds because of inflation that may lead the investor to be in the red because of the low bonds' return percentage. But in other CZcams videos, we are told that it is a good strategy to diversify one's investment portfolio and include some bonds in it even at a lower rate compared to stocks.
How does bucket #1 relate to an emergency fund in retirement? Do I still need a Emergency fund or do I just increase bucket 1 by x amount?
Since bucket #1 is liquid, (the same as as an emergency fund) you would just increase that amount to cover 2 years of living expenses (money you are actually going to spend + an emergency fund (money for unforeseeable expenses) in retirement.
Great info...thanks!!!
Sound advice.
Fabulous advice..I'm looking at approximately a 40 yr withdrawl period (max), so; my yr 1-10 money, is in appropriately laddered C.D.s, yr 10-20 money is in laddered T.I.P.S; and 20 yr and beyond money, is entirely in VTSAX. I will sell ALL shares of VTSAX, upon VTSAX reaching an all-time-high; after I have reached age 70, then purchasing appropriately laddered C.D.s and T.I.P.S, with the proceeds. If you read this text, Christine; I would live to get your opinion, of this overall strategy. P.S...it's IMPOSSIBLE to offend me, even if you'd like to express your countervailing points, in the strongest manner. If I told what career I've retired from..you'd see why! LOL!
The only Bond I like is James Bond. Bond as investment sucks.
Agreed. Haven't been in bonds, personally, for 10 years or so. Mostly common stocks, 70% domestic, 30% foreign, with small amounts of cash occasionally. All equities are dividend paying and in combination with other income sources, I do not expect to have to sell any equities in order to fund retirement expenses.
Ok, watch the latest movie. I won’t ruin it for you.
So so True!!!
And that's what's fucked with a fiat currency. Your money loses value just sitting there. Total bullshit system we have.
NO BONDS Please!!!