What Your Asset Mix in Retirement Should Be During Higher Interest Rates

#Morningstar  #AssetAllocationinRetirement #RetirementPlanning
Despite attractive yields on cash and bonds, some retirees may still need a more aggressive portfolio.
00:00 Introduction
00:29 The Relationship Between Interest Rates and Future Bond and Cash Returns
01:27 Allocation in Retirement and Higher Returns From Bonds
02:31 How Withdrawals Can Influence a Retiree’s Asset Allocation
04:33 Which Subasset Classes Should Retirees Have?
06:35 Risks of Overallocation to Fixed Income for Retirees
07:35 Should Retirees Have a More Aggressive Portfolio?
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Пікірлер: 10

  • @8ofwands300
    @8ofwands30022 күн бұрын

    I wish your channel would spend more time explaining why bond funds and ETF s are doing so poorly in this interest rich environment. Retail investor here and I struggle to understand this. is the idea that when interest rates recede, current long-term bond holdings at higher interest rates will be worth more at auction? I mean, to me, you're better of just buying bonds and T bills directly.

  • @davidwysocki1004
    @davidwysocki100422 күн бұрын

    An interesting presentation but just too generalized without any specific suggestions on candidates for fixed income investments for further research. And Christine's comment that high yield fixed income investments may not be the place to go without any explanation as to why such investment are a bad idea was not helpful.

  • @tombkk1322
    @tombkk132223 күн бұрын

    Do you still recommend a Total Bond Market Index Fund in retirement? All my bonds are still down.

  • @carstars
    @carstars22 күн бұрын

    Love those yields but inflation I suspect is likely to be higher for a long time.

  • @cliffluxion7019
    @cliffluxion701922 күн бұрын

    Thank you for this helpful content! 😊

  • @mmaranta785
    @mmaranta78522 күн бұрын

    When does the book come out?

  • @Valentine-sd2fb
    @Valentine-sd2fb21 күн бұрын

    Every week I buy more of whatever is the lowest percentage of my portfolio and try to keep everything around 10%. Please what could be my safest buys with $400k to outperform the market in 2024?

  • @wa210
    @wa21021 күн бұрын

    For me taking advantage of higher rates. 70/30% with cds, 30 still in long term dividend paying stocks. This so called market is primed for a big crash. Inflation is still raging, and stocks overpriced to perfection. I am a 63 year old retiree. Would get back into stocks, after the crash, which will happen someday.

  • @Daniel-ss7ri
    @Daniel-ss7ri21 күн бұрын

    if the idea is to build an income stream to use as complement for retirement, or at any given point if needed, then building a dividend growth portfolio always buying adding to it could be a good and peaceful path. On the long run consistency and perseverance could guaranty the desired income stream goal with little worries

  • @Betty-dc5ck
    @Betty-dc5ck20 күн бұрын

    I think investors should always put their cash to work, especially In 2024, we'll start to see more market diversification. I'm hoping to invest about $350k of my savings in stocks against next year. Hope to make millions in 2024