Episode 246 of our Retire With Style podcast is out now! In this week's episode of Retire With Style, Alex and I are answering more of your retirement planning questions, including one that raises an interesting point about what it really means to invest conservatively in retirement.
If your essential expenses are already covered by Social Security, does it make sense to keep the rest of your portfolio entirely in bonds and other fixed-income investments?
It might sound like the safest approach, but a small allocation to stocks can actually help diversify a bond-heavy portfolio, potentially reducing overall volatility while providing additional growth and protection against inflation.
From there, we cover a wide range of questions from listeners. We look at why a HECM and a HELOC can behave very differently when used as retirement buffer assets, how Social Security survivor benefits work for divorced and remarried spouses, and whether a rising equity glide path still has a role in managing sequence-of-returns risk.
We also discuss QLACs and reliable income later in retirement, whether Roth conversions should favor stocks or more stable assets, and some of the challenges involved in exchanging or restructuring an existing immediate annuity.
It’s a wide-ranging Q&A that shows why even seemingly straightforward retirement decisions can become more nuanced once you dig into the details. Listen now to learn more!
The Retire With Style Podcast Has a New Home!
We’re excited to share that all podcast episodes- past and present- are now available on our new site: RetireWithStyle.com. It’s your one-stop shop for catching up on episodes, watching video versions, and even submitting your own retirement questions for future shows.
You can also watch and subscribe to new video episodes on our YouTube channel, with fresh content every Wednesday.
Prefer to listen on your favorite podcast app? We’ve got you covered. You can still find Retire With Style on Apple Podcasts, Spotify, Podbean, Amazon Music, Audible, iHeart, TuneIn, and now YouTube Music.
Take a look around the new site and let us know what you think. Feel free to share with friends, and to reply here with any comments. Thank you, Wade Pfau, PhD, CFA, RICP Founder of Retirement Researcher
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