How Soon Before Retirement Should You Adjust Your Portfolio?

[@paulshepherd2289]

I've watched **a lot** of retirement portfolio videos. This definitely covered some new ground. Thank you, James!

[@FunStuffBuddy]

Black Friday promo code to Retirement Academy!?!?!

[@flowergirl5404]

Excellent video! Easy to understand and well explained.

[@andre-l3j]

Excellent review of portfolio structuring. Thanks James!

[@mymusicalsons]

This makes so much sense. Thank you!

[@aquicktake]

Excellent information and guidance.

[@michelletuttle4409]

Loved this video!

[@TheGOF]

Excellent overview and explanation. well done.

[@pilot_obet]

Good video. do you also give financial advisory service?

[@spinnetti]

So, lets say I have plenty of money. Why not just stay 100% stocks? Even with a 50% dip for a couple years, I'd still have plenty and growth otherwise feels like it would well offset the risk? I keep 100k in money market as emergency funds. Bonds just seem like stuffing money in the mattress.

[@johngill2853]

Great video 👍

[@lindsaynewell6319]

excellent overview and framework. Would love to see an actual case study showing not just asset allocation evolution over time (including rebalancing to account for growth) but also asset location (which accounts to shift to bonds or other stable investments and which to keep 100% equities and why). Thanks.

[@Swimallsummer]

Very useful discussion, thank you

[@kimjeffs7787]

Thank you James. Your best one yet!

[@ld5714]

Very good discussion James. This certainly will be helpful to many followers.

[@ScottinValbom]

Thanks, James. Such an important distinction between your intended retirement date and when you will begin to draw down on (some of the) funds. For this reason alone, someone invested in a target date fund needs to wake up as they coast closer to their retirement date. I'll admit that I was asleep at that wheel for too long. All worked out fine, but I kick myself about the growth I missed out on because the fund was shifting more and more conservative years ahead of when I would begin to use some of the funds.

[@KenNewman-v2w]

James, this video was particularly good - keep up the great work!

[@BarbHurley-s6m]

So good!

[@christinefarelas6434]

Good info thanks!

[@hogroamer260]

You may have 30+ years of retirement ahead of you. Don't change your investment strategy, but move 12 - 18 months expenses to stable investments. That should carry you through the majority of market downturns. Of you've been investing all your life, you should be accustomed to market ups and downs. Stay the course!

[@j.d.christensen69]

This one really resonated.

[@hkpo20]

very informative. Thanks for your content. Can you elaborate on which bonds are best for which reason? I.E. which bonds work most uncorrelatedly to stocks for example, liability matching? income, etc..? thanks very much

[@RWBump-xs8rb]

James. Do we look at current portfolio value or expected value at retirement? Example, I want 5 years of bonds. At current value this would be a 60/40 ratio. However, at retirement this would be a 80/20 stock to bond ratio. Thoughts?

[@123moof]

Probably the biggest risk is choosing an allocation that you won't be able to psychologically tolerate during a downturn. Panic selling is lethal, so having a 100% stocks may perform far worse in actuality than modeling would predict due to the human element and the temptation to "stop the bleeding" during a crash and failing to get back in the market in a timely fashion.

[@TalonID]

Save 50% more than you need & have 2-3 years cash invested in high yield savings and stay 100% aggressive and don't sell in valleys (live off your savings) - you're welcome. Tony Robbins' book UnShakeable discusses this strategy in detail.

[@JesseMayhill]

My target retirement fund in my 401(k) had poor returns compared to the S&P 500. I switched everything to the S&P 500, but I regret not doing it earlier. What are the best options for investing $200k for reliable cash flow?

[@noelrutherford6321]

What if you plan at retirement to sell a home (and then rent) and the proceeds after taxes equals 50% of your retirement income, with the other 50% in stocks? Also add on a 50,000 annual pension to that mix. Would it be okay to leave the stock portfolio alone 5 years out to retirement?

[@kevinsolie2208]

Yeaers

[@misspimake]

Great video!