• Ep 120: Don't Beat the S&P 500 in Retirement

  • Nov 5 2024
  • Length: 10 mins
  • Podcast

Ep 120: Don't Beat the S&P 500 in Retirement

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  • Summary

  • In this episode of the Retire with Peace podcast, host Dave Zaegel discusses the importance of strategic retirement planning, particularly focusing on the S&P 500 index and the risks associated with investing during retirement. He emphasizes the need for a balanced approach that includes both long-term growth investments and a short-term investment bucket to mitigate risks such as sequence of returns. The conversation highlights the significance of having a well-structured investment strategy that prioritizes safety and growth for retirement income.

    Takeaways

    • Beating the S&P 500 isn't always a great idea.
    • Investing in the S&P 500 provides diversification and low costs
    • Short-term money should not be invested in the stock market.
    • Sequence of returns risk can significantly impact retirement savings.
    • Having a short-term investment bucket is crucial for retirees.
    • A balanced investment strategy typically includes 30-40% in short-term funds.
    • Long-term growth is essential, but safety is equally important.
    • Retirement planning should focus on both growth and income needs.
    • It's important to avoid hyper-focusing on the S&P 500 during retirement.
    • A well-structured investment strategy can mitigate risks.
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