A retirement portfolio is a collection of investments that are held in a retirement account, such as a 401(k) or Individual Retirement Account (IRA). The purpose of a retirement portfolio is to help you save and grow your money for retirement, while also taking into account your risk tolerance and investment goals.
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While our portfolio didn't do quite as well as the S&P 500, we still had a solid year. But what about all of our real estate holdings? The post How Our Portfolio Performed in 2024 (Including Real ...
Thanks to everyone who responded to the recent book giveaway. Your encouragement and kind words were uplifting. The responses gave me lots of topics to focus on in 2025. I received 104 responses. Cong...
As a retiring lifetime investor in ETFs and mutual funds, I want to add some stability to my portfolio. For me, that means adding bonds (probably to get to a 70/30 ratio). The learning curve is steep ...
Crypto Portfolio Management: Strategies, Tools, and Best Practices for 2025...
Well, 2024 is over, and now we can look back on our investments and see how they did for the year. It was a year of extremes in the news. Wars raged on in Ukraine and the Middle East, multiple natural...
In need of some guaranteed income? An annuity may be the answer if you check off any of these boxes....
Make sure your family’s property assets are stewarded from one generation to the next...
In today's ever-changing economic landscape, building a diversified investment portfolio is more critical than ever. Diversification, the strategy of spreading your investments across different asset ...
Here’s the thing: retirement isn’t just about hitting a magic number—it’s about understanding what you actually want out of your life once work is no longer in the picture. In ...
In today's ever-changing economic landscape, building a diversified investment portfolio is more critical than ever. Diversification, the strategy of spreading your investments across different asset ...
I try to avoid talking about politics on this blog, because a) There is no shortage of people discussing politics on the Internet and b) It keeps attracting crypto bros to the comments section, and no...
Gold's role in diversifying portfolios extends beyond inflation protection, offering an alternative to stocks and bonds in volatile markets....
I try to avoid talking about politics on this blog, because a) There is no shortage of people discussing politics on the Internet and b) It keeps attracting crypto bros to the comments section, and no...
Hi all. I’ve been reading about different withdrawal strategies when making the leap to retirement. It seems there is the “4% Rule,” which suggests withdrawing 4% in year one and adj...
In today’s episode of Ready for Retirement episode James covers when to adjust your portfolio as retirement nears—a crucial step for balancing growth and security. If adjustments happen to...
Higher yields, priority on dividend payments and the potential for capital appreciation are just three reasons to consider investing in preferred stocks....
It’s not that hard, and there’s a bonus: Portfolios without fossil fuels have generally performed just as well as the broader market....
I was twelve, maybe thirteen years old. Our elderly neighbors could no longer keep up with the flower gardens and ... Read more...
In a recent post I shared how my net worth has held up against five years of retirement funded entirely by portfolio withdrawals. The good news was that my liquid net worth had increased since I retir...
Our work lives provide more than income or, for some, even a sense of purpose; work is also a significant part of how we maintain our social and emotional well-being....
In less than a month, we’ll know who our next president will be and which party will control each of the houses of congress. Should investors make any changes to their portfolio in advance of th...
Inflation is a major risk for investors, especially those investing in fixed-income investments such as bonds. Treasury Inflation-Protected Securities (TIPS) ... Read more...
This guest post is by Vaughn, a long-time Financial Samurai reader who retired at 44 and is now 55. Vaughn's early retirement was driven by necessity rather than choice due to a congenital bone diseas...
What are the benefits of Roth conversions in retirement planning? James addresses questions about when Roth conversions become worthwhile. This episode explores key factors: Changes in tax bracket Spo...
The "Three Bucket Strategy" is a popular retirement income planning method. The first bucket covers immediate expenses in retirement. Listeners John and Donna are seeking advice on constructing their ...
As one listener prepares for an early retirement, James discusses the situation, covering how to build a bond ladder based on non-retirement funds. James provides a different way of looking at the sto...
Large language models (LLMs), such as OpenAI's GPT-4, can sift through massive datasets, identify patterns and generate insights about investment decisions....
Working with individuals and couples gives me a front-row seat to how people invest. The view is fascinating. Several clients have worked with other advisors. Some come with collections of high-cost a...
We need to declutter our portfolio. We also need to rebalance our holdings to align with our goals but we have multiple accounts, account types (taxable vs non-taxable) at different brokerage companie...
Cross posted from the r/investments sub: I’m a few years from retirement and am having trouble embracing the “you gotta have bonds in your portfolio”… I currently have only 2%...
How important is it to have many different investment companies to hold your Ira, Roth IRA, hsa or brokerage or crypto accounts? We are thinking of leaving vanguard because of the recent changes due t...
Forget about endowments and their holdings and divestment for a minute. What do you stand for, and how can you make your portfolio reflect that?...
Cryptocurrency can bolster long-term retirement savings, but there are caveats....
Take these essential steps when structuring a secure retirement portfolio....
I am 63 and have been managing my own investments in about half of my retirement portfolio for most of my life. Frankly, I've not done so well in the last 5 years. It is still in the black but not nea...
Next Thursday, March 14th, 2024, at 1 pm ET, TD Bank is featuring me in an interview and live Q&A on this topic in a free webinar. Register for the webinar here. More information is below. I&rsquo...
The "Three Bucket Strategy" is a popular retirement income planning method. The first bucket covers immediate expenses in retirement. Listeners John and Donna are seeking advice on constructing their ...
Endless investment debates often leave out the most important factor—the investor!...
The traditional 60/40 investment portfolio may be too conservative, according to some financial experts, but the allocation can be a helpful guidepost....
What a year 2023 has been! We started the year off with every economist out there predicting a terrible, horrible, no-good recession hitting the US as a result of all the interest rate hikes the Centr...
Last week Austen Allred started a huge debate on Twitter/X after tweeting: Why isn’t the ideal investment strategy for 99% of people under the age of~45 just putting 100% of cash directly in the...
The past year was a good one for most investors. All of the holdings in my retirement portfolio were up, many of them by double digits. Stock funds were the stars, but my bond funds did decently, gold...
As one listener prepares for an early retirement, James discusses the situation, covering how to build a bond ladder based on non-retirement funds. James provides a different way of looking at the sto...
[Editor's Note: The White Coat Investor wants to understand who our readers are and what they want. That’s why we created this survey—so we can make sure we continue to serve you as best w...
I recently received the following reader comment: “In regards to spending in retirement, I wonder if you could educate your readers, including myself, about differences between a 60/40 asset all...
I have just retired. I want to move my investments from 3 different investment co (schwab, fidelity, vanguard, TSP) to just Vangard. The total $ is greater than the $250k that is insured by the US. Sh...
When rooting for your sports team, fandom plays a big role in how you will feel about the outcome. When investing, rooting for no one can have the best long-term returns....
Asset allocation and rebalancing are important concepts for your retirement portfolio. Here are some best practices....
It's never too early to start saving for retirement. Here are retirement investment basics, including different account types and portfolio management strategies....
What are the benefits of Roth conversions in retirement planning? James addresses questions about when Roth conversions become worthwhile. This episode explores key factors: Changes in tax bracket Spo...