Author Topic: ***what mix of stocks/fixed income/cash while in retirement?***  (Read 1360 times)

detroital

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I plan to retire in 7 months. I'm not that crazy about risking my nest egg in retirement, but I realize that one shouldn't put his eggs all in one basket and a certain amount of it should be at risk in the market.  When the button has been pushed and I am finally in retirement, what mix do you feel one should have in stocks, fixed income (CDs, bonds), cash, other investments?

Murse

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Re: ***what mix of stocks/fixed income/cash while in retirement?***
« Reply #1 on: May 26, 2018, 02:13:37 PM »
What % of your nest egg will you be living on?

Villanelle

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Re: ***what mix of stocks/fixed income/cash while in retirement?***
« Reply #2 on: May 26, 2018, 10:45:54 PM »
*Such* a personal question.  As with the same question for before retirement, everyone's answer is going to be different based on risk tolerance, projected expenses/SWR, age a retirement and reasonably expected longevity, health, healthcare coverage in old age, amount of expenses covered by SSI, ability to cut expenses in down markets, and more. 

Maybe start by answering those questions, although it's still going to come down to a personal preference, and which risk bothers you more--the risk of losing in a down market, or the risk of inflation/increased expenses associated with age outpacing the growth of your stache.