Retire With Purpose - The Retirement Podcast 536: By the Numbers: Cash Out or Hold On? The Retiree's Dilemma
10 snips
Dec 5, 2025 Amid market uncertainty, the focus is on staying invested while navigating cash decisions. The hosts discuss the pitfalls of timing the market and the importance of rebalancing portfolios according to retirement timelines. Psychological stability is evaluated, along with practical strategies for utilizing cash and managing risk. They highlight investor behavior as a key threat and stress reassessing spending goals. Finally, seven actionable tips are offered to guide retirees considering cashing out.
AI Snips
Chapters
Books
Transcript
Episode notes
Rebalance To Restore Risk Posture
- Rebalance when allocations drift and consider moving a portion back to your target mix.
- Use rebalancing to restore risk posture rather than attempt to time market peaks.
Match Assets To Retirement Liabilities
- Consider a 'bond tent' or staged fixed-income bucket to spend down early-retirement needs.
- Purpose-based asset allocation aligns holdings with liquidity, income, and legacy goals.
Create A Purposeful Cash Bucket
- Build a liquidity bucket for upcoming spending, healthcare, and sequence-risk protection.
- Move specific sums into cash/fixed income for planned expenses or potential long-term care needs.
