Sunday, May 18, 2014

Retirement Investing is Personal

From Dueling Strategies for Your Retirement Funds:
For anyone approaching retirement, an important investing question is: Should your strategy be "to" or "through"? *** 
The "to" refers to preserving savings for an expected retirement date; the goal is to get "to" that date without last-minute harm to your nest egg. Generally this means cutting back sharply on riskier investments—namely stocks *** 
A "through" strategy means tilting a portfolio to keep increasing savings well into, or "through," retirement. That means higher allocations to stocks and other riskier investments despite a bigger risk of losses.
The strategies aren't dueling. As we discussed five years ago, different retirees have different goals. See The Trouble With Target Date Funds.

1 comment:

Randy Cox said...

Yes! it is obvious everyone dream to live a worry free life. Pre retirement plans are precious as it leads to a successful life. Retirement planner