Data contained herein from third-party providers is obtained from what are considered reliable sources. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decision.Īll expressions of opinion are subject to change without notice in reaction to shifting market conditions. The investment strategies mentioned here may not be suitable for everyone. The information provided here is for general informational purposes only and should not be considered an individualized recommendation or personalized investment advice. Past performance does not guarantee future results. Time to recovery is the length of time it took the S&P 500 to complete its peak-to-trough decline and then rise to its prior peak. Research identifies periods in which the S&P 500 ® Index fell 20% or more over at least three months. Schwab Center for Financial Research with data provided by Bloomberg. Investors in the early years of retirement may want a greater allocation to stocks to guard against longevity risk, while those in their later years will want to prioritize income generation and capital preservation.Īt age 60–69, consider a moderate portfolio (60% stock, 35% bonds, 5% cash/cash investments) 70–79, moderately conservative (40% stock, 50% bonds, 10% cash/cash investments) 80 and above, conservative (20% stock, 50% bonds, 30% cash/cash investments).ġ. Later on, you can adjust your allocation to focus more on generating income and preserving your money. Having a larger allocation of stocks in the early years of retirement will help guard against the risk of outliving your retirement savings.
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