How Soon Before Retirement Should You Adjust Your Portfolio?

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  • เผยแพร่เมื่อ 10 ม.ค. 2025

ความคิดเห็น • 38

  • @FunStuffBuddy
    @FunStuffBuddy หลายเดือนก่อน +17

    Black Friday promo code to Retirement Academy!?!?!

  • @paulshepherd2289
    @paulshepherd2289 หลายเดือนก่อน +4

    I've watched **a lot** of retirement portfolio videos. This definitely covered some new ground. Thank you, James!

  • @andre-l3j
    @andre-l3j หลายเดือนก่อน +3

    Excellent review of portfolio structuring. Thanks James!

  • @flowergirl5404
    @flowergirl5404 หลายเดือนก่อน +2

    Excellent video! Easy to understand and well explained.

  • @mymusicalsons
    @mymusicalsons หลายเดือนก่อน +2

    This makes so much sense. Thank you!

  • @aquicktake
    @aquicktake หลายเดือนก่อน +3

    Excellent information and guidance.

  • @spinnetti
    @spinnetti หลายเดือนก่อน +5

    So, lets say I have plenty of money. Why not just stay 100% stocks? Even with a 50% dip for a couple years, I'd still have plenty and growth otherwise feels like it would well offset the risk? I keep 100k in money market as emergency funds. Bonds just seem like stuffing money in the mattress.

  • @ScottinValbom
    @ScottinValbom หลายเดือนก่อน

    Thanks, James. Such an important distinction between your intended retirement date and when you will begin to draw down on (some of the) funds. For this reason alone, someone invested in a target date fund needs to wake up as they coast closer to their retirement date. I'll admit that I was asleep at that wheel for too long. All worked out fine, but I kick myself about the growth I missed out on because the fund was shifting more and more conservative years ahead of when I would begin to use some of the funds.

  • @ld5714
    @ld5714 หลายเดือนก่อน

    Very good discussion James. This certainly will be helpful to many followers.

  • @KenNewman-v2w
    @KenNewman-v2w หลายเดือนก่อน

    James, this video was particularly good - keep up the great work!

  • @mariatreloar9482
    @mariatreloar9482 หลายเดือนก่อน

    I had a long thought process on what made me feel safe with knowing I need growth for a 20-30 year possibility in retirement and decided 7-10 years of low risk and the rest in growth made me able to sleep. I know I have enough right now to access over the next decade makes me comfortable knowing if the market pulls back I can pay my bills an unexpected expenses. But my long term growth needs to insure I have funds to pay for long term care needs later in life.

  • @kimjeffs7787
    @kimjeffs7787 หลายเดือนก่อน

    Thank you James. Your best one yet!

  • @johngill2853
    @johngill2853 หลายเดือนก่อน +3

    Great video 👍

  • @TheGOF
    @TheGOF หลายเดือนก่อน

    Excellent overview and explanation. well done.

  • @hkpo20
    @hkpo20 หลายเดือนก่อน +1

    very informative. Thanks for your content. Can you elaborate on which bonds are best for which reason? I.E. which bonds work most uncorrelatedly to stocks for example, liability matching? income, etc..? thanks very much

  • @michelletuttle4409
    @michelletuttle4409 หลายเดือนก่อน

    Loved this video!

  • @j.d.christensen69
    @j.d.christensen69 หลายเดือนก่อน

    This one really resonated.

  • @Swimallsummer
    @Swimallsummer หลายเดือนก่อน

    Very useful discussion, thank you

  • @robertr4715
    @robertr4715 หลายเดือนก่อน

    Good stuff. Fortunately it doesn't bother me much when the market drops. I remember the last big drop in the early 2000's and I actualy chuckled when I saw my statement balances. Didn't change my investment philosophy paid off at all and that paid off in spades. I am basically 80% S & P 500 10% International and 10% bonds and have plenty of other investements I can live on so market gyrations do not bother me.

  • @BarbHurley-s6m
    @BarbHurley-s6m หลายเดือนก่อน

    So good!

  • @christinefarelas6434
    @christinefarelas6434 หลายเดือนก่อน

    Good info thanks!

  • @MatrixMatched
    @MatrixMatched หลายเดือนก่อน

    Excellent, as always, James.
    Strictly as a safeguard during a stock market downturn, are high quality short term bonds the best choice?

  • @hogroamer260
    @hogroamer260 หลายเดือนก่อน +2

    You may have 30+ years of retirement ahead of you. Don't change your investment strategy, but move 12 - 18 months expenses to stable investments. That should carry you through the majority of market downturns. Of you've been investing all your life, you should be accustomed to market ups and downs. Stay the course!

  • @RWBump-xs8rb
    @RWBump-xs8rb หลายเดือนก่อน +1

    James. Do we look at current portfolio value or expected value at retirement? Example, I want 5 years of bonds. At current value this would be a 60/40 ratio. However, at retirement this would be a 80/20 stock to bond ratio. Thoughts?

  • @pilot_obet
    @pilot_obet หลายเดือนก่อน

    Good video. do you also give financial advisory service?

  • @garydvisualz
    @garydvisualz หลายเดือนก่อน

    Very useful.

    • @RootFP
      @RootFP  หลายเดือนก่อน

      Glad it was helpful!

  • @NewGuy2024
    @NewGuy2024 หลายเดือนก่อน

    My wife and I aggressively saved and invested for retirement since our 20's. We're now in our late 40's.
    We live in a very low cost state, and very recently embraced a minimalist lifestyle.
    Our retirement funds are about 90X our annual expenses.
    Should we even consider bonds if we do not immediately need the majority of these retirement funds?

  • @noelrutherford6321
    @noelrutherford6321 หลายเดือนก่อน

    What if you plan at retirement to sell a home (and then rent) and the proceeds after taxes equals 50% of your retirement income, with the other 50% in stocks? Also add on a 50,000 annual pension to that mix. Would it be okay to leave the stock portfolio alone 5 years out to retirement?

  • @Daniel-b1s3s
    @Daniel-b1s3s หลายเดือนก่อน

    Retirement becomes truly rewarding when you have two key components: a solid financial foundation and a clear sense of purpose. Making wise investment decisions is crucial to achieving strong returns and enjoying a secure retirement.

  • @123moof
    @123moof หลายเดือนก่อน

    Probably the biggest risk is choosing an allocation that you won't be able to psychologically tolerate during a downturn. Panic selling is lethal, so having a 100% stocks may perform far worse in actuality than modeling would predict due to the human element and the temptation to "stop the bleeding" during a crash and failing to get back in the market in a timely fashion.

  • @lindsaynewell6319
    @lindsaynewell6319 หลายเดือนก่อน +1

    excellent overview and framework. Would love to see an actual case study showing not just asset allocation evolution over time (including rebalancing to account for growth) but also asset location (which accounts to shift to bonds or other stable investments and which to keep 100% equities and why). Thanks.

  • @JoeBtfzplk
    @JoeBtfzplk หลายเดือนก่อน

    Worst case scenario? Nikkei starting from the 1989 peak.

  • @JesseMayhill
    @JesseMayhill หลายเดือนก่อน

    My target retirement fund in my 401(k) had poor returns compared to the S&P 500. I switched everything to the S&P 500, but I regret not doing it earlier. What are the best options for investing $200k for reliable cash flow?

  • @TalonID
    @TalonID หลายเดือนก่อน +1

    Save 50% more than you need & have 2-3 years cash invested in high yield savings and stay 100% aggressive and don't sell in valleys (live off your savings) - you're welcome. Tony Robbins' book UnShakeable discusses this strategy in detail.

  • @kevinsolie2208
    @kevinsolie2208 หลายเดือนก่อน

    Yeaers

  • @SuperMatt1235
    @SuperMatt1235 หลายเดือนก่อน

    What do you do if you make 20000.00 a month trading? Oh and you have 100000.00 in pension income and 50000.00 in social security? Oh and 1200000.00 in 401k. The answer is you pay taxes. lol these videos don’t make sense unless you’re broke I guess.

  • @misspimake
    @misspimake หลายเดือนก่อน

    Great video!