Comments on: INVESTING FOR RETIREMENT: ASSET ALLOCATION EXPLAINED FULLY

By: @fredgreene9354

@fredgreene9354 — Tue, 16 Jul 2024 14:12:17 +0000

Investing does not need to be complicated. In fact, the simpler the better in my opinion. I’m retired and did so at age 42 with about $1.1M for two people. We had an advisor from Morgan Stanley in our corner. Maxed 401k for many years and then saved additional in index funds in taxable account. Our rate of return has been around 10% percent per year in the taxable account over the last 10 years.

By: @Jim-mz1cf

@Jim-mz1cf — Tue, 16 Jul 2024 04:11:02 +0000

The standard deviation is not a measure of how much the portfolio can drop. It is a measure of variation in return essentially. If the average is 8 and the standard deviation is 14, there is statistically a high probability that the return in a year will be within 28 (two standard deviations) of 8, or in that case between -20 and 36.

By: @brucesmith6868

@brucesmith6868 — Mon, 15 Jul 2024 23:54:39 +0000

Thank you Eric really good break down of the bigger picture

By: @Jazzwealth

@Jazzwealth — Mon, 15 Jul 2024 20:41:28 +0000

In reply to @TheTacticalathlete. I appreciate you presenting the topic idea! Obviously with NestEgg we can get even geekier with this and we probably will! Glad you liked ending

By: @Jazzwealth

@Jazzwealth — Mon, 15 Jul 2024 20:40:43 +0000

In reply to @quint6363. This is definitely the sentiment from a lot of people! If you're ok with the risk and volatility then have at it! Thanks for watching :)

By: @keithmachado-pp6fv

@keithmachado-pp6fv — Mon, 15 Jul 2024 20:37:36 +0000

I was 100% stock throughout my entire career and recently retired and now I am 50/50 stock and bonds/T Bills/CDs. Retirement clearly impacted the decision but the ability to average 5.5% risk free and taking the lump sum on the pension also had a major impact. Would I have made more in 2024 if I stayed 100% stock, yes. Am I still doing fine and have cut my risk on the downside in half. Also yes.

By: @TheTacticalathlete

@TheTacticalathlete — Mon, 15 Jul 2024 20:22:26 +0000

Man, that is so cool. There are so many ways to look at this topic and you captured the most important one to me and that is allocating or distributing risk based on buckets. Snuck in some cool NestEgg scenarios too. Thanks Eric. Ps like the tag line at the end!

By: @josha963

@josha963 — Mon, 15 Jul 2024 19:35:17 +0000

In reply to @quint6363. Not 60 but I feel the same way. I plan on being all in stocks during retirement. My nest egg at retirement will be much higher that way so even with potentially larger losses on a down market, my nest egg will be higher and I feel like I’m still better off.

By: @Zorlig

@Zorlig — Mon, 15 Jul 2024 19:13:03 +0000

In reply to @quint6363. Me too

By: @quint6363

@quint6363 — Mon, 15 Jul 2024 18:27:50 +0000

risk tolerance .. all stocks all the time (I’m 60)