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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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 ...
On January 1st we conducted our Annual Financial Review for our retirement portfolio. I’m smiling. Since I retired in June 2018, the S&P 500 has had a nominal annualized return […] Th...
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...
Is anyone familiar with this idea by William Bernstein ? He says to set up a part of your portfolio to cover necessary expenses in retirement and then invest the rest. Include all safe payouts like So...
With another strong year in the stock market, it’s time for investors to celebrate! While marveling at the growth of your portfolio is satisfying, a more rewarding way to celebrate is to actuall...
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 ...
After years of saving during your working years, what changes should you make to prepare your finances for retirement? When your paycheck stops, you’ll depend on your portfolio to fund […...
One reason to hold different asset classes is that they are not perfectly correlated. Over time, if you don’t rebalance your portfolio, your asset allocation will naturally drift away from your ...
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 ...
My main goal* was to build an investment and cash portfolio of$1,120,000* ($1,000,000 to retire on and $120,000 to pay off the house) in1500 days**, starting from 1/1/2013 and ending in February of 20...
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....
Bonds are a ubiquitous part of a balanced portfolio and in recent years bond funds have become even more attractive to many investors. However, due to rising interest rates, bond funds are now losing ...
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...
Meet Sarah—a retiree with a multi-million-dollar portfolio, no mortgage, and all her income needs covered by Social Security. Yet, she hesitates to furnish her newly expanded home, fearing it wo...
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...
Investing in rental properties is a great way to diversify your portfolio and build wealth over time. However, rental property ... Read more...
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....
My main goal* was to build an investment and cash portfolio of$1,120,000* ($1,000,000 to retire on and $120,000 to pay off the house) in1500 days**, starting from 1/1/2013 and ending in February of 20...
It's harder for retirees to bounce back from stock downturns, so you need an income strategy (and a portfolio) that's resilient.Chris...
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...
How do you know if you can retire? It seems straightforward, but the answer is far from simple. Beyond portfolio balances and age thresholds, there are other things to consider. James explains his thr...
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...
The minus your age rule of thumb is a simple math formula used in personal finance to help DIY investors and advisors determine a suitable stock-to-bond ratio for an investment portfolio. I’ve a...
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...
Investing in private markets can help lower portfolio volatility and potentially achieve better returns. Here's what to know before deciding to dive in....
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%...
*What a boring title! Some days, the creative juices just aren’t flowing. My main goal* was to build an investment and cash portfolio of$1,120,000* ($1,000,000 to retire on and $120,000 to pay o...
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?...
Investors should expect volatility but also try not to overreact to news. To prepare, focus now on tax minimization, protecting your portfolio and more....
Cryptocurrency can bolster long-term retirement savings, but there are caveats....
Take these essential steps when structuring a secure retirement portfolio....
Is your portfolio positioned to win the financial “Triple Crown”? It's that time of year when the Kentucky Derby and horse racing enters the national conversation. On this episode we draw ...