[Derek]

I seek a lot of education..

[Robert]

Currently that’ll be seen as a bad move of investment, no one seems to know the direction the market is moving to nevertheless Dollar cost averaging is a system which is used to obtain securities in investment.

[David]

The answer completely depends on the state an individual is in when they reach retirement both financially and mentally. If you’ve already met your financial goals, why not take some risk off the table. If you can’t mentally handle the ups/downs of the market, reduce your spending and take some risk off the table. If neither is true, consider a higher allocation which includes 80%+ invested in a highly diverse portfolio.

[Lester]

I have no idea why people ever buy bonds before the age of 70

[Kevin]

This is highly dependent on one’s goals and risk tolerance. I have 100% of my portfolio in stocks while retired, but I have a high risk tolerance and a very low cost of living at about $75k annually.

I think if you can’t handle the volatility and the ups and downs of a stock portfolio, or if your goals don’t involve accumulating much more than you have now, it’s probably best to stick with ETFs.

[Jule]

We plan to. That’s because we will have an excess of money (from aggressively saving and investing for decades) and can tolerate the risk that comes with the market volatility without affecting our future retirement lifestyle. In fact, we plan on keeping 100% of our investments in equities.

So it really all depends on your tolerance for risk for income purposes in retirement.

[Chris]

I have 90+ percent in stock mutual funds/ETFs, but I also have a military retirement which offsets it to a 50/50 allocation. It really depends on your level of risk and how dependent you are on the income from your investments.

[Chris]

I plan to have stocks at 75%+ all through retirement. Throttle spending during bear markets. Long term should still work well. Some of this won’t be accessed for 20 years. Why keep it in bonds?

[Author]

Posts