Money Clinic with Claer Barrett Investment Clinic: I'm 67 - will US stocks crash my retirement?
21 snips
Mar 11, 2025 In this insightful discussion, Adam Walkom, co-founder of Permanent Wealth Partners, joins financial journalist Claer Barrett to tackle retirement investment strategies. They delve into the challenges faced by retirees like Paul, who are concerned about volatile US tech stocks. Key topics include the benefits of diversifying portfolios with bonds and annuities, the importance of personalized financial strategies, and navigating the complexities of transitioning from asset accumulation to income generation. Tune in for valuable insights into managing retirement funds!
AI Snips
Chapters
Transcript
Episode notes
Paul's Portfolio Problem
- Paul, 67, is worried about his US tech-heavy index fund investments.
- He wants to generate retirement income but is unsure about diversification, bonds, or annuities.
Accumulation vs. Decumulation
- There are two phases to financial planning: accumulation and decumulation.
- Decumulation requires a different understanding of markets, risk, and expectations.
Diversification Strategy
- Diversify beyond the S&P 500's top tech companies to include other large US and global companies.
- Consider commodity, infrastructure, gold, and bond index funds.