Investment Strategies for Retirement Portfolios: "10 Rules to Follow In Your Investments"
Class Description:
The top 4 largest assets for a Retiree are: (a) their home, (b) their Retirement Accounts, (c) their Social Security retirement benefits, and (d) their taxable investment accounts. On average, their two investment accounts (b + d) are 35% to 55% of their total net worth. This class discusses 10 Rules to Follow in successfully managing your portfolios. We also discuss Adaptive Asset Allocation as a very practical and appropriate approach to managing your portfolios, with a risk-averse approach.
Date and Time: To Be Determined
Location: College of Marin
Number of Days: 1 day (Sat AM)
Hours of Class: 4 hours
Why Take Our Class? The 10 Rules for Smarter Retirement Investing is only the starting point, we also discuss successful strategies and risk approaches.
Topics Discussed
Rule #1: Shift Your Focus from Growth to Income and Preservation
Rule #2: Know Your Withdrawal Rate
Rule #3: Don’t Let Sequence of Returns Risk Derail You
Rule #4: Diversify Across Accounts, Not Just Assets
Rule #5: Manage Risk—Don’t Just Chase Returns
Rule #6: Create Multiple Income Streams
Rule #7: Plan for Longevity—Don’t Outlive Your Money
Rule #8: Inflation Is the Silent Killer
Rule #9: Have a Plan for Required Minimum Distributions (RMDs)
Rule #10: Rebalance and Review Regularly—Retirement Isn’t "Set It and Forget It"
Adaptive Asset Allocation (AAA) vs. Modern Portfolio Theory (MPT)
Key Takeaways:
We provide 3-5 applicable insights to each of the 10 Rules, and ways to execute or implement the strategies in a practical manner.
We compare and contrast the commonly-used previous approaches to each of the rules, with how it is typically done today; for example, is the 4% rule (for withdrawals) still applicable?
In the Bay Area, housing is such a large portion of a newly-retired family's wealth, what approaches or options are available to "make that large asset" work for you in retirement?