A Quick Guide to Fixed Income | Live Q&A

[@wilma6235]

I understand the person who said they gained weight with their job because I am living it. I work 24/7. I am working now at 11:18 pm listening to you. And my work day started at 8:30 am. The demands are crazy.

[@DavidMontgomery1]

Always welcome guidance, Rob. Thanks!

[@davidrogers0717]

Rob, speaking of fixed income, I know you have spoken in the past about this, but the "Bucket" strategy certainly has been a hot topic over the past year given volatility. I'd be interested in you doing a refresher. thanks

[@scottnicoll6460]

Keep up the good work Rob!!! The "National Treasure" comment is a bit over the top 😁😁😁

[@terryadams1830]

Another great video - Thanks! BTW: I agree, The Diplomat was great!

[@johnbeeck2540]

Using New Retirement and enjoying the details and flexibility you can treat your personal situation over time...

[@BarbellFinancial]

Love your content Rob. I really enjoyed your book as well!

[@bigjohnny5280]

So the person who asked about how to invest 1.5 mill would make a great video or video series. You could save a lot of people some financial planner fees giving your thoughts on how you personally would invest based on different inputs (age, SS, other income, etc)

[@jmc8076]

Agree. He did answer for $1 M in a live QA call. Can’t recall date. Try 6 mths ago.

[@johncampbell9565]

I like Retirement Budget Calculator by Jason Parker. Like New Retirement it has both a free and a paid version. 19:36 Hope you try it and do a video.

[@earlrandall474]

Didn't hear much about fixed income securities. What about baby bonds, term limited preferreds, and CEFs.

[@anthonylaiferrario]

Hey rob I find myself agreeing with you on most things but your take on SS not being fixed income feels off to me. The reason I definitely think of it as fixed income is that having it guaranteed is covering a lot of your fixed expenses. This means treating the rest as a typical retirement portfolio misses the point that a majority of the income needed from the portfolio is for nice to haves or variable expenses. Therefore it is probably ok to vary much more over the course of retirement. Including the SS as fixed income realigns the entire exercise with typical retirement and risk thinking

[@davidtvedte1337]

I believe Rob's explanation was thorough and the way I will think about it. SS and other guaranteed income may take care of a significant portion of your retirement expenses. What he suggests is how much of your portfolio is needed beyond the guaranteed income. If it's close to 4% then the allocation to fixed income in your portfolio will need to be higher than if it's only 1-2%. I am 65, retired, not collecting SS yet and only have 20% in fixed income because I have other income that more or less takes care of my short term needs.

[@wilma6235]

@robberger. I would love your opinion on my annuity. Current rate is only 2%. Guaranteed to not go under 1% wow. This am after tax annuity so I only owe taxes on the interest earned and it’s not much.

[@70qq]

🤘

[@gieb6428]

Eating

[@fredf.3769]

If the debt defaults the dollar will weaken and interest rates will increase. Inflation will skyrocket. Today I liquidated 30% of my IRA.