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Is It Really Better to Own More Stocks in Retirement?
Manage episode 445303860 series 3428540
If stocks are inherently risky, and if you're retired and you're risk-averse, doesn't it make sense to lessen your exposure to the stock market as you get older? That's the logic behind certain "rules of thumb" that say the older you are, the less money you should have in stocks.
But that logic is faulty. It assumes that everyone's situation is the same, and, even worse, that people should be selling stocks in order to fund their short-term income needs. It's time to revisit this idea.
Could it actually be better to own more stocks in retirement? Get the details from podcast host Johnny Dean and "Professor" Rick Plum, CFP® on this week's episode of Managing Your Financial Future!
205 episoder
Manage episode 445303860 series 3428540
If stocks are inherently risky, and if you're retired and you're risk-averse, doesn't it make sense to lessen your exposure to the stock market as you get older? That's the logic behind certain "rules of thumb" that say the older you are, the less money you should have in stocks.
But that logic is faulty. It assumes that everyone's situation is the same, and, even worse, that people should be selling stocks in order to fund their short-term income needs. It's time to revisit this idea.
Could it actually be better to own more stocks in retirement? Get the details from podcast host Johnny Dean and "Professor" Rick Plum, CFP® on this week's episode of Managing Your Financial Future!
205 episoder
Alle episoder
×1 Comparing the Portfolio Withdrawal Methods - Which Is Best? 35:31
1 How Different Types of Retirement Income Are Taxed 38:42
1 Here's How Your Social Security Benefits May Be Reduced 38:47
1 Here's One More Tax Move to Make Before 2025 39:04
1 Is This a Good Time for Roth Conversions? 38:12
1 Why the Wrong Withdrawal Strategy Can Be Disastrous 38:33
1 Asset Location - The Hidden Gem of Tax Management 38:43
1 How Much Can You "Safely" Withdraw From Your Portfolio? 39:22
1 Is It Really Better to Own More Stocks in Retirement? 35:27
1 What's the Best Age to Take Social Security Benefits? 33:32
1 Six Financial Lessons Everyone Should Know 36:59
1 Should You Pay Cash For a Home, Or Get a Mortgage? 36:42
1 Roth, Personal, or IRA Funds: Which Should You Spend First? 36:21
1 What Percentage of Stocks Should You Own in Retirement? 35:51
1 It's Time For Your Mid-Year Money Checklist! 35:44
1 Why Time Is Your Most Valuable Asset in Investing 34:52
1 Why Your Bonds May Not Be Paying What You Think 34:39
1 THIS Is Why We Love The Bucket Strategy® 34:15
1 Why Engineers May Make Great Financial Planners 35:23
1 Roth IRA Strategies for High-Income Earners 35:52
1 The New Rules on Inherited IRAs - What to Know 33:13
1 Is There Really a Charitable Giving Strategy With No Downside? 34:51
1 How Much Money Do You Need to Retire Comfortably? 33:55
1 What Is Your Wealth Distribution Strategy? 35:23
1 5 Things You Didn't Know About Your Social Security Benefits 33:49
1 Your Pension Options: Which One May Be Best for You? 36:23
1 How to Overcome Your Single Biggest Financial Fear 37:18
1 Why “Blending” Your Buckets May Produce Better Results 35:24
1 Tying Your Social Security Benefits Into Your Investment Portfolio 35:44
1 Could Value Averaging Be the Key to Surviving Market Downturns? 35:31
1 What Are the Biggest Regrets that Retirees Have? 36:56
1 Why (Almost) Everyone Needs an Estate Plan 34:15
1 How to Make Use of the Zero-Percent Tax Bracket 36:33
1 Is a Fixed Annuity a Better Alternative to Bonds? 35:18
1 Can You Really Pay Less in Taxes on Your Social Security Benefits? 34:25
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