Objective information about retirement, financial planning and investments


A Bucket Approach to Retirement


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.

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  1. Nice interview, thanks for sharing!

  2. 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. 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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