Hi Jan,
I have noticed that once retirees reach the number they were saving toward, protecting it becomes the priority, and in some ways that makes sense. But protecting your account balance from market swings is not the same as protecting your ability to spend the way you planned for the next twenty or thirty years. This week we look at why the safest looking portfolio on paper is not always the one that gives you the best shot at a stable retirement, and why a financial plan, not a general rule about how conservative to be, should determine how much growth your portfolio still needs to provide.
| | | | The Safest Investment May Not Create the Safest Retirement Most of the decisions we make in retirement planning become easier once you understand why you are making them, but that does not mean they always feel intuitive. Investing is a good example. You spend your working years accumulating savings, often with the understanding that accepting some market risk is necessary to grow your money. Once you retire, continuing to expose those savings to market losses can feel much harder to justify. You have spent decades building the portfolio, so why not protect it?
By Retirement Researcher | | | | Retirement Changes Your Portfolio’s Job One of the biggest mistakes investors make is assuming that retirement changes how much risk they should take without first considering why they are investing in the first place. Throughout your career, your portfolio has one primary objective. It works alongside your regular savings to build wealth over time.
By McLean Asset Management
| | | | Can AI Build Your Retirement Withdrawal Strategy?
Alex and I tackle listener questions on whether AI can replace a human advisor for building a retirement withdrawal strategy, how to put together a team of a CFP, tax accountant, and estate attorney, and whether partially annuitized portfolios can outperform a total returns approach.
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