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Constructing a Portfolio in Retirement
Manage episode 389387971 series 2401634
Pick your favorite financial publication. One minute, they tout a financial collapse and pending recession, and then seemingly on a dime, headlines change to - "cash yields are attractive" and "the stock market finishes at its highest level in twelve months." Making portfolio decisions through all the noise can be a challenge. What is the right investment strategy? How much should you put in stocks? Do you need bonds? CDs? What type of stocks or bonds? What about other or "alternative" investments. All are good questions and just touch the tip of the iceberg.
On this episode, hear Tyler Emrick, CFA®, CFP®, dive into these questions and, more broadly, how you should think about asset allocation -- aka your "investment recipe". Pay special attention to how aligning your financial life planning and your goals to your investment decisions is a critical step many misunderstand or overlook.
Here’s some of what we discuss in this episode:
- Determining how much you can afford to withdraw in retirement each month.
- Should you be favoring cash and bonds over stocks and what are the benefits of each?
- How to design the proper portfolio that aligns with your goals.
- Having a more dynamic retirement plan and a more dynamic investment plan.
Learn more about the Retire Smarter Solution ™: https://www.truewealthdesign.com/ep-45-retire-smarter-solution/
Have questions?
Need help making sure your investments and retirement plan are on track? Click to schedule a free 15-minute call with one of True Wealth's CFP® Professionals.
162 episod
Constructing a Portfolio in Retirement
Retire Smarter with Kevin Kroskey, CFP® & Tyler Emrick, CFA® CFP®
Manage episode 389387971 series 2401634
Pick your favorite financial publication. One minute, they tout a financial collapse and pending recession, and then seemingly on a dime, headlines change to - "cash yields are attractive" and "the stock market finishes at its highest level in twelve months." Making portfolio decisions through all the noise can be a challenge. What is the right investment strategy? How much should you put in stocks? Do you need bonds? CDs? What type of stocks or bonds? What about other or "alternative" investments. All are good questions and just touch the tip of the iceberg.
On this episode, hear Tyler Emrick, CFA®, CFP®, dive into these questions and, more broadly, how you should think about asset allocation -- aka your "investment recipe". Pay special attention to how aligning your financial life planning and your goals to your investment decisions is a critical step many misunderstand or overlook.
Here’s some of what we discuss in this episode:
- Determining how much you can afford to withdraw in retirement each month.
- Should you be favoring cash and bonds over stocks and what are the benefits of each?
- How to design the proper portfolio that aligns with your goals.
- Having a more dynamic retirement plan and a more dynamic investment plan.
Learn more about the Retire Smarter Solution ™: https://www.truewealthdesign.com/ep-45-retire-smarter-solution/
Have questions?
Need help making sure your investments and retirement plan are on track? Click to schedule a free 15-minute call with one of True Wealth's CFP® Professionals.
162 episod
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1 Upcoming Tax Changes and How You Should Plan for Them 34:29
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1 Buffered ETFs: Market Downside Protection? Are They Right for You? 35:09
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1 Social Security Timing: Reframing Your Thinking For Better Decision-Making 30:05
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1 The Disappearing Act of Retiree Health Benefits – What Options Do You Have? 39:12
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1 Real Estate, Taxes, & College Oh My! 59:11
1 Historic Changes To The Residential Real Estate Industry Will Be Good For You (And Are Similar To Changes Occur-ring In Financial Advice) 30:32
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1 Smarter Ways To Financially Help Your Children & Grandchildren 32:24
1 How Risky of An Investor Are You? 36:49
1 What Do Clients Value Most in A Financial Advisor? 31:28
1 How to Plan for RMDs (Required Minimum Distributions) 28:32
1 New Year’s Resolutions – Better Yet Goals for Financial Success In 2024 28:21
1 When Taking Social Security Early Makes Sense 25:02
1 Constructing a Portfolio in Retirement 41:36
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1 The Early Years of Retirement: Navigating Healthcare, Finances, and Tax Strategies 31:25
1 Yearend Financial Check-up & Tax Moves 25:02
1 Retirement Nest Egg: Having Enough & Making Sure It Lasts 33:18
1 Avoid Losing $17K Yearly From Bad Investment Decisions 25:21
1 Should Retirees Change Their Portfolio Strategy Based On Predictions of the US Dollar’s Demise? 21:59
1 How Tax-Smart Income Targeting Can Allow You To Retire Earlier While Saving Taxes 34:25
1 Income Targeting - Should We Even Care About IRMAA? 26:48
1 Do You Have Unrealistic Portfolio Return Expectations? 27:53
1 What’s The Big Deal With Roth Conversions And Why Should You Care? 19:39
1 No More TINA - An Investment Update 34:34
1 Your Wealth, Your Retirement – How Can You Do It Better? 34:47
1 Portfolio Moves in Light of Recession Fears 26:36
1 Social Security’s Uncertain Future & Impacts On Your Retirement 20:35
1 Widowed in Retirement - How to Plan for the Financial Changes 26:31
1 Bank Busts & Safeguards for Your Investment Funds 43:03
1 How Much Is the Right Amount Of Cash? 20:53
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1 Secure Act 2.0 - Key Impacts on Your Retirement Planning 26:33
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1 Ep 113: Enhancing Your Charitable Giving 25:49
1 Overcoming Financial Missteps & Inaction to Get the Help You Need 33:18
1 Smartly Using Retirement Accounts to Optimize Your Retirement & Tax Savings 31:22
1 Surprising Lessons on Stock Returns and Diversification 33:40
1 It’s the End of the World as We Know It, and Why to Feel Fine 29:11
1 Pension Lump Sums - You May Need To Act Now in 2022 34:13
1 Understanding Your Retirement Plan Results 27:35
1 Mailbag - Bear Market Investment Questions 30:15
1 Interview with Retirement Researcher Dr. David Blanchett Part 2 27:13
1 Interview with Retirement Researcher Dr. David Blanchett Part 1 27:11
1 Ep 100: Not So Smart Things Even Smart Investors Do 31:15
1 Ep 99: Whoa! Stocks and bonds both going down? What’s going on? 40:21
1 Ep 98: Interview with Retirement Researcher Dr. Michael Finke Part 2 24:53
1 Ep 97: Interview with Retirement Researcher Dr. Michael Finke - Part 1 44:16
1 Ep 96: Rules Gone Awry, Part 5 - Retirement Healthcare Is Exorbitant 24:09
1 Ep 95: Rules Gone Awry, Part 4 - The 4 Percent Rule 21:45
1 Ep 94: Rules Gone Awry, Part 3 - The Rule of 100 13:29
1 Ep 93: Rules Gone Awry, Part 2 - Take Social Security Early 24:28
1 Ep 92: Rules Gone Awry, Part 1 - The 80% Spending Rule 21:03
1 Ep 91: What Retirees Want in a Home 28:58
1 Ep 90: What Retirees Want in Time, Health & Relationships 27:17
1 Ep 89: What Retirees Want: Work In Retirement? 23:53
1 Ep 88: What Retirees Want: An Overview 23:31
1 Ep 87: How Pre-65 Retirees Can Get a Huge Healthcare Tax Credit 27:38
1 Ep 86: Cash Flow - Measuring & Monitoring the Heartbeat of Your Financial Planning 35:07
1 Ep 85: What’s a “Conservative” Investor To Do These Days? 24:25
1 Ep 84: Investment Allocation Update - Thinking About Your Investment Recipe 38:26
1 Ep 83: Biden‘s ”American Families” Tax Plan - Key Changes & Planning Opportunities 33:31
1 Ep 82: Social Security Update - Solvency, COLA, & Planning Strategies 32:45
1 Ep 81: Math Mistakes in the Media, Investing, and in Understanding Vaccines 40:59
1 Ep 80: Should I Sell a Stock With a Large Taxable Gain? 35:44
1 Ep 79: Aligning Your Investments With Your Values 25:55
1 Ep 78: Unexpected Benefits Married Couples Get From A Financial Advisor 23:51
1 Ep 77: How Risky of an Investor Are You? (And How Do You Really Know?) 33:14
1 Ep 76: Your Hierarchy of Retirement Needs 36:01
1 Ep 75: 10-Year Return Expectations 37:43
1 Ep 74: Modeling Real Estate & Business Values In Your Retirement Plan 26:48
1 Ep 73: What Age Should You Get Serious About Planning For Retirement? 23:56
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