Thanks for watching! Here are some follow-up videos: Asset Allocation Explained [Modern Portfolio Theory]: ruclips.net/video/QTgvWPAihIc/видео.html Three-Fund Portfolio [The BEST Portfolio!]: ruclips.net/video/R81Z-obeB3s/видео.html Six Retirement Withdrawal Strategies Compared: ruclips.net/video/rwe8CaAUNR0/видео.html
It was an emotional time for me when I got sudden $6m, I registered with an advisor ASAP and got retired at 57 with steady income stream from my $4 Million dividend portfolio total $650,000 a yr to live comfortably, and its all because of my Fee only Advisor who handles my Portfolio.🌹✅
I work with Essmildaa too! transferred all of my IRA from managing it myself, to making her my advisor. BEST decision ever! I truly enjoy the trades. I found exactly what I was looking for.
I'm 100% Stocks. I'm 34 in August, I'm a fed so I have 2 pensions (fers and ss). I'm comfortable with 100% Stocks for at least another 25 years. I'm very fortunate to have a pension.
I like the real data you offer. 9/10 experts and advisors wont give this, and will just say youre crazy to have 100% stocks. For example you mentioned heirs, this is important to some. I plan to have plenty from my SSA and pension to live comfortably indefinitely throughout retirement and can ride years worth of downturns in the market. It is reckless for the advisors and tubers telling everyone to hold bonds forever. They are losing a lot of money over time!
I started 80/20, and similar to your story ended up selling bonds for stocks around the covid crash. Currently 87% stocks, 6% crypto (mostly ETH, staked), 7% cash (emergency fund)
I'm within 3 years of retirement, and I have gradually shifted from 90/10 stocks/bonds down to 60/20/20 (stocks/bonds/alternatives). I was recently very briefly tempted to go back up to 50/50 (US stocks/Intl stocks) when the Cederburg paper started getting attention, but I decided not to drink the Kool-Aid. The period you modeled, starting at 2000, is what scared me off from that. I'll be happy enough with a smoother nominal 7% or 8% return average in retirement. Thank you for addressing this sensibly.
Thanks Tim, that sounds like a reasonable change to me. I don't think many of us know how grueling a period like the one starting in 2000 would be. Congrats on approaching your retirement, and best wishes!
I've worked for over 40 years and am now just months away from retirement. As you've mentioned in past videos, it's crucial to invest in yourself first-through education, maintaining your health, and nurturing your mind. Typically, everything else falls into place when you do this. Eventually, you'll reach a financial milestone where you can say, "My work is done; I don't need to worry about money anymore." Any excess beyond this point can be allocated to high-risk, high-reward investments, like Bitcoin, without impacting your financial security. Still in the game just without the worry.
Currently in the accumulation phase and invested 100% stocks. Planning to keep 80% stocks in retirement and utilize dynamic spending to hedge against down markets. Started investing post-2008 and I didn't see a major benefit to holding bonds in that low interest rate environment. I may consider shifting to 90% if interest rates continue to climb over the next 2-3 years. I'd buy 10-year treasuries at >6%.
Thanks for sharing Dustin! Bonds were definitely much less attractive at the lower rates! I agree with dynamic spending, since it will help adapt to market conditions.
Hi Keith, I don't think so if you have the conviction for SCV :). If you haven't seen it, I made a video with my thoughts on factor investing: I previously made one with my thoughts on factor investing if you haven't seen it: ruclips.net/video/2yNqB0o4p80/видео.html. Thanks for your support!
Hello Nick, what are your thoughts on all-in-one factor funds such as AVGE or DFAW, so as to avoid tinkering and having to rebalance? I have a 30+ year time horizon until retirement, and I am considering changing from VT to AVGE in my Roth IRA.
Hi, keeping it simple and avoiding tinkering is generally good in my opinion. I think both are reasonable if you believe there are the additional risk premiums to capture. I previously made one with my thoughts on factor investing if you haven't seen it: ruclips.net/video/2yNqB0o4p80/видео.html. I may make a video on Avantis & Dimensional ETFs. Thanks for watching!
I visited your RUclips channel and saw that your content is so good. But there are many workspaces, so you need to update your video optimization. Like SEO-friendly video title selection, writing an attractive SEO-related description, and researching high-rank targeted keywords according to your niche to rank your video.
![Retirement Asset Allocation [Retirees Taking Too Much Risk?]](http://i.ytimg.com/vi/C2nysyufVG0/mqdefault.jpg)
Thanks for watching! Here are some follow-up videos:
Asset Allocation Explained [Modern Portfolio Theory]: ruclips.net/video/QTgvWPAihIc/видео.html
Three-Fund Portfolio [The BEST Portfolio!]: ruclips.net/video/R81Z-obeB3s/видео.html
Six Retirement Withdrawal Strategies Compared: ruclips.net/video/rwe8CaAUNR0/видео.html
It was an emotional time for me when I got sudden $6m, I registered with an advisor ASAP and got retired at 57 with steady income stream from my $4 Million dividend portfolio total $650,000 a yr to live comfortably, and its all because of my Fee only Advisor who handles my Portfolio.🌹✅
Thank you for sharing your experience. do you mind also sharing your How to find your Fee Only Advisor?
Sincerely speaking i work with Essmildaa Morgan , and will continue stick to her guides for as long as it works.
Wow, I know Essmildaa too! She’s helped grow my reserve, despite inflation, from $200k to $440k as of today
I work with Essmildaa too! transferred all of my IRA from managing it myself, to making her my advisor. BEST decision ever! I truly enjoy the trades. I found exactly what I was looking for.
I'm 100% Stocks. I'm 34 in August, I'm a fed so I have 2 pensions (fers and ss). I'm comfortable with 100% Stocks for at least another 25 years. I'm very fortunate to have a pension.
The pensions are extremely helpful! They would certainly make me feel a lot better with 100% stocks. Thanks for sharing!
I like the real data you offer. 9/10 experts and advisors wont give this, and will just say youre crazy to have 100% stocks. For example you mentioned heirs, this is important to some. I plan to have plenty from my SSA and pension to live comfortably indefinitely throughout retirement and can ride years worth of downturns in the market. It is reckless for the advisors and tubers telling everyone to hold bonds forever. They are losing a lot of money over time!
I started 80/20, and similar to your story ended up selling bonds for stocks around the covid crash. Currently 87% stocks, 6% crypto (mostly ETH, staked), 7% cash (emergency fund)
Thanks for sharing Austin! I think I prefer the way we did it, since we weren't very sure of our risk tolerance when starting.
I'm within 3 years of retirement, and I have gradually shifted from 90/10 stocks/bonds down to 60/20/20 (stocks/bonds/alternatives). I was recently very briefly tempted to go back up to 50/50 (US stocks/Intl stocks) when the Cederburg paper started getting attention, but I decided not to drink the Kool-Aid. The period you modeled, starting at 2000, is what scared me off from that. I'll be happy enough with a smoother nominal 7% or 8% return average in retirement. Thank you for addressing this sensibly.
Thanks Tim, that sounds like a reasonable change to me. I don't think many of us know how grueling a period like the one starting in 2000 would be. Congrats on approaching your retirement, and best wishes!
I've worked for over 40 years and am now just months away from retirement. As you've mentioned in past videos, it's crucial to invest in yourself first-through education, maintaining your health, and nurturing your mind. Typically, everything else falls into place when you do this. Eventually, you'll reach a financial milestone where you can say, "My work is done; I don't need to worry about money anymore." Any excess beyond this point can be allocated to high-risk, high-reward investments, like Bitcoin, without impacting your financial security. Still in the game just without the worry.
Thanks for sharing Franklin, I couldn't agree more with your points :) Congratulations, I hope you enjoy retirement!
Currently in the accumulation phase and invested 100% stocks. Planning to keep 80% stocks in retirement and utilize dynamic spending to hedge against down markets. Started investing post-2008 and I didn't see a major benefit to holding bonds in that low interest rate environment. I may consider shifting to 90% if interest rates continue to climb over the next 2-3 years. I'd buy 10-year treasuries at >6%.
Thanks for sharing Dustin! Bonds were definitely much less attractive at the lower rates! I agree with dynamic spending, since it will help adapt to market conditions.
I'm getting close to retirement and will be going with 2 years of cash and the rest stocks (about 10/90)
Nice, congratulations! Best wishes
100% stocks. VT and chill -:)
Hey nick, do you think 100% Small Cap Value etf in a roth ira is reckless with 30+ years time horizon.
Hi Keith, I don't think so if you have the conviction for SCV :). If you haven't seen it, I made a video with my thoughts on factor investing: I previously made one with my thoughts on factor investing if you haven't seen it: ruclips.net/video/2yNqB0o4p80/видео.html. Thanks for your support!
@nickdoyle-achievefinancial2464 thanks for the reply, I'll probably go to a more traditional allocation I my 40s. These small caps are volatile haha
Cool!
Cheers!
Hello Nick, what are your thoughts on all-in-one factor funds such as AVGE or DFAW, so as to avoid tinkering and having to rebalance? I have a 30+ year time horizon until retirement, and I am considering changing from VT to AVGE in my Roth IRA.
Hi, keeping it simple and avoiding tinkering is generally good in my opinion. I think both are reasonable if you believe there are the additional risk premiums to capture. I previously made one with my thoughts on factor investing if you haven't seen it: ruclips.net/video/2yNqB0o4p80/видео.html. I may make a video on Avantis & Dimensional ETFs. Thanks for watching!
I visited your RUclips channel and saw that your content is so good. But there are many workspaces, so you need to update your video optimization. Like SEO-friendly video title selection, writing an attractive SEO-related description, and researching high-rank targeted keywords according to your niche to rank your video.
50% money market waiting for the 2023 crash.
That's a long wait!