How to invest for decumulation - live off the acorns - income ladder 1- comprehensive retirement plan - assumptions are difficult Life is not linear / expenses / be as accurate as possible for ten years …variable expenses / income - expenses = portfolio / 3% for medical to use bond ladder - match bonds are cds to retirement account Spending within 12 months flexible Bond ladder approach matching to bonds to withdrawals - interest from bond and recurring principal
@katiewoodfield776810 ай бұрын
Thank you. You’ve confirmed our retirement strategy. Now that bonds are producing income again, this is a great stress-free alternative to the equity focused approach retirees have been forced into for the past two decades.
@charleshughes2487 Жыл бұрын
Government bonds or CDs - goal of bond ladder to be sure money is there when you need it government pays every six months / interest when you need it , goal bonds are maturing when you need it ….if you hold a bond to maturity , you get your principal back , Zillow value of home ..hold till mature principal back / key to this approach / hold till they mature /
@gsnt4597 Жыл бұрын
Great content! This option is much better than an annuity!!!!!
@davidfolts5893 Жыл бұрын
Smart financial content! Thank you!
@TheDealHunter Жыл бұрын
Is there a link available for the article that Amy mentioned in the video?
@charleshughes2487 Жыл бұрын
Income - expenses -=portfolio withdrawals *( match bonds or CDs to withdraw e.g. $5,000 monthly )short term treasury bills , next year bond ladder ( take out $100,000 fir expenses *( principal and interest ) bonds used in retirement portfolio safe bonds , paying 4,5% ) both bonds , CDs pay interest , build a plan , know what withdrawals are.value of bond similar to Zillow value home …develop comprehensive plan , bullet shares slightly higher interest rate and risk, ( ( asset liability matching ) used by pension plans ….take worry out of what is happening in the market place …
@xlavahott45478 ай бұрын
Banks buy treasuries to back their CDs. You may be required to pay income taxes in your CD interest each year you hold the CD. If you buy the treasury directly and skip the bank, you don't have an state income tax on the interest. So why get the CD? Does this make sense?
@timothyflannery5947 ай бұрын
It depends on which state u live in. Also, sometimes CDs make sense and sometimes they don’t. In a taxable account now. CD’s don’t make sense.
@daw77732 ай бұрын
I see your point but if someone buys a CD in their Roth IRA, no taxes on interest.
@stevemathews6843 ай бұрын
Would the bonds reside in a tax-sheltered account (IRA)?
@charleshughes2487 Жыл бұрын
What approach do you like for using a bond portfolio 🎉?
@kinggeek1960 Жыл бұрын
Do use mostly treasuries for your clients bonds ladders or high grade corporate bonds?