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How much risk should I be ​taking in retirement?

RISK

Am I taking too much risk in retirement?Unfortunately, most retirees and pre-retirees take on entirely too much risk in their retirement portfolios. This common problem results from various reasons. Some people want to hedge for future inflation. 

Others think they need higher growth potential to make it through retirement without running out of money. In most cases, your advisor simply “advised” you to put your money in “risky” stuff. 

When entering the retirement “red zone”, curbing your risk back is a pivotal step to developing financial security, and the 100 Age Rule can help you.

Rule of 100

A good stepping stone towards a more balanced, recession-proof retirement portfolio is to use the "100 Age Rule". There are three phases of everyone's financial life: Accumulation, Preservation and Distribution. When entering retirement, you are moving from the "Accumulation" phase of life in to the "Preservation" phase of life. 

This means that you need to allocate more money towards safe, income producing assets and take some of your risk off the table. Run this simple calculation: Subtract your age from 100. The answer you get should be close the percentage of your assets that are "at risk". 

Your age should then serve as the percentage of your assets allocated in "safe" money investments. However, this is only a rule of thumb. If you need to take income from your investments, you will need an in-depth Investment Risk Review.

Investment Risk Review

Although the rule of 100 provides a good starting point, you cannot rely on it solely. 

To truly understand how much risk you should be taking, our Investment Risk Review can provide the answer. 

Everyone's situation is different. Do you need your investments to produce income outside of pensions or Social Security? Do you hope to pass the bulk of your money on to your loved ones and beneficiaries? 

Determining a proper safe to risk ratio in retirement is a pivotal part in protecting your assets and producing reliable income in retirement.
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BIRDSEYE FINANCIAL DISCLOSURE
Tax and Legal Disclosure

Birdseye Financial, Corbin Lindsey and any associate affiliated with Birdseye Financial, does not offer tax or legal advice. We provide strategies for educational purposes only. You should consult your tax or legal professional for complete information regarding any tax and legal matters.

Website Content
The information listed on this website and on any document from Birdseye Financial that is provided by Birdseye or by a third party has been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by Birdseye Financial. While the publisher has been diligent in attempting to provide accurate information, the accuracy of the information cannot be guaranteed. Laws and regulations change frequently, and are subject to differing legal interpretations. Accordingly, neither the publisher nor any of its licensees or their distributors shall be liable for any loss or damage caused, or alleged to have been caused, by the use or reliance upon this information.

All items on this website are not to be considered a recommendation to purchase or to sell an insurance or investment holding. No insurance company has endorsed or reviewed this website content. Before purchasing any type of insurance and/or investment product, it is important that you do your own due diligence, and that you consult a properly licensed professional if you should have any specific questions that relate to your individual situation. All of the names, marks, and materials that were used within this website are the property of their respective owners.

We are NOT affiliated with the U.S. Government or Federal Medicare Program

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​And as always, it’s important to keep in mind that past performance is definitely no guarantee of the future results that you’ll receive in most any financial vehicle.

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​Should you complete an online form of any type, you are agreeing to be contacted by Birdseye Financial or one of our referral partners.
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