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A Bucket Approach to Retirement

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I had the privilege of participating in a panel discussion entitled Practical Solutions for a Challenging Retirement Landscape at the recent Morningstar Investment Conference.  The panel was moderated by Morningstar’s Christine Benz, one of my favorite personal finance journalists.  After our session Christine and I discussed the bucket approach to retirement, a topic about which Christine has written extensively.

Here is a video of this conversation which as I write this appears on the Morningstar site.

 

Here is a link to the interview as well.

My thanks to Christine and to Morningstar for the opportunity to be a part of their excellent conference, this is always an outstanding event.

Please feel free to contact me with your retirement and financial planning questions.  Check out our Financial Planning and Investment Advice for Individuals page for more information about our services.   

Please check out our Resources page for links to some additional tools and services that might be beneficial to you.

 

 

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Comments

  1. Nice interview, thanks for sharing!

  2. Matt Becker says:

    Though we’re solidly in the accumulation stage now, we use a bucket strategy to segment things like our emergency fund and other short-term savings from longer term goals like retirement and college. I think it’s helpful from a risk-management standpoint to understand what money is slotted for what, and to determine asset allocation for each bucket accordingly.

    Though we’re a long ways off, our retirement plan is to have a consistent “investment” allocation but also have a few years’ of buffer in cash. It’s pretty similar to the approach laid out by David Swensen in Unconventional Success.

    • Roger Wohlner says:

      Matt thanks for the comment. A balanced approach is good at any age/stage of life, sounds like you are on the right track.

  3. Simon says:

    Great and eye-opening interview Roger! Thanks for sharing. Something I should start using or at least exploring for my asset allocation and overall financial plan.

    • Roger Wohlner says:

      Thanks for your comment Simon. Especially for retirees knowing that they have their distributions for a given period of time in low risk assets that will not be impacted by a stock market dip can provide great peace of mind.

  4. Very good interview, Thanks for sharing, it is equally important to balance your financial approach and asset allocation, I will work out on the same

    • Roger Wohlner says:

      Thanks for your comment Rita. I think balance in aspects of financial planning is a good practice.

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