Here's a thread on this topic started by forum member abc123. viewtopic.php?t=419511
TLDR: Risk can be defined by ongoing portfolio volatility (how many folks define it) or by not having sufficient funds to support retirement spending (how others, including me, prefer to define it). Using the latter definition and having the wherewithal to stay the course, a good strategy can be to maintain a high stock allocation during accumulation and then change that allocation to include more fixed income about 5-10 years prior to retirement.
TLDR: Risk can be defined by ongoing portfolio volatility (how many folks define it) or by not having sufficient funds to support retirement spending (how others, including me, prefer to define it). Using the latter definition and having the wherewithal to stay the course, a good strategy can be to maintain a high stock allocation during accumulation and then change that allocation to include more fixed income about 5-10 years prior to retirement.
Statistics: Posted by dogagility — Sun Nov 17, 2024 3:54 am — Replies 16 — Views 1047
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