Do You Need to Dial Back Risk as You Age?

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The idea there is to dial back the risk a little bit, and maybe even take the money that's going to pay for your liabilities for your future life style off the table. Some data suggests you can have a higher withdrawal rate from your portfolio if you actually increase your acid allocation throughout your retirement. The only one i've really heard is your age in bonds. If you want to know what the professionals think, look at the target retirement funds and look at how they gradually decrease your stock to bond ratio as you go.

Today we answer your questions about asset allocation. We start off with some basic principles that everyone should understand and then dive into more specific questions. We discuss what glide path allocation is and how your asset allocation needs change as you age. We talk about asset allocation when using a defined benefit plan and also cover some pros and cons of treating your mortgage as a negative bond and how that affects your asset allocation. See our asset allocation rules here https://www.whitecoatinvestor.com/asset-allocation-rules/

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