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What Percentage of Stocks Should You Own in Retirement?
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You may have heard that stocks are too volatile for retired people to own. In fact, there’s an old rule-of-thumb formula that says you should decrease your stock holdings by 1 percent every year and replace them with bonds. These generic “guidelines,” though, are hardly prudent advice for most people, because everyone’s situation requires a different approach.
It may actually be more beneficial for some people to have a greater exposure to stocks as they get older. What counts more is having a withdrawal strategy that takes into account the short-term risks of investing in stocks by creating the time – and cash flow – necessary to overcome those risks.
Find out more from podcast host Johnny Dean and “Professor” Rick Plum, CFP® on this week’s episode of Managing Your Financial Future!
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