How Risky is Your Retirement?

Lately we have been talking a lot about risk in retirement, with a particular focus on how equities investing in retirement isn't particularly risky. This holds especially true when properly diversified. While it’s not as simple as “just put everything in a diversified equities portfolio”, many retirees underestimate the length of their retirement and the need for growth to support those later years. With lifespans increasing, most retirees should plan for a 30+ year retirement. By focusing on proper asset allocation and income planning, you can build the confidence that your money will last as long as you need it to.

Article of Interest

100% Stocks in Retirement?

A new study (with a hefty number of mind-boggling statistics and research terms to back it) suggests that putting all of your retirement portfolio into stocks could be what's best.

No more target date funds. No more 60/40. Just stocks, 2/3 international and 1/3 US to be precise.

Though I'm all about research-based methods, I'm certainly not ready to sign up clients for this right away. I like how it challenges the status quo, and I do think it points to something interesting and something I've been saying for quite a while...the market is efficient over the long term.

Which also means that most people should be more "aggressive" in their investments leading up to and even during retirement.

New Content From Retire to Abundance

Why Risk Tolerance is Bull$h-t

Yep, I'll say it. Maybe it's not popular, or PC in the finance world, but risk tolerance is not where it's at. Basically, it comes down to the fact that your risk tolerance is nothing more than your emotional responses to the market.

Things in the blog:
→ Why your so-called risk tolerance shouldn't define your investment strategy
→ A better strategy, that can be adapted easily to your specific retirement timeline and circumstances
→ Common misunderstandings about market volatility
→ A real life scenario where forgoing the emotions of risk tolerance grew a portfolio 30% more in 18 months than in the previous decade

Why (Market) Volatility Doesn't Matter

In case you missed my featured blog from November, I wanted to give you to opportunity to read it again. I've gotten a lot of feedback on this one, that it was very helpful to many people. So...here it is again.

Things in the blog:
→ Why (and how) to play the long game with your stocks
→ Why volatility is nothing to be afraid of
→ Common investor pitfalls that allow volatility to kick your butt

Podcast Guest

Last month, I was a guest on the Catholic Money Mastermind podcast, talking about how much and how fast to save for retirement. There are some different opinions out there, so how do you know what's right for you? Give it a listen here:

Slow, Steady Wealth Accumulation - Catholic Money Mastermind Podcast

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The Retire to Abundance Newsletter is for education and entertainment purposes only. Nothing should be construed as investment, tax, or legal advice. Links to third party websites may contain content that is not approved by QED Wealth Solutions. QED Wealth Solutions, LLC is a registered investment adviser offering advisory services in the States of Kansas and Texas and in other jurisdictions where exempt from registration.

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