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Which approach is better: income-focused or total return investing? Many investors believe they should live off the income their portfolio generates—and never touch the principal. It feels responsible. Conservative. Safe.

But in this episode, I explain why that mindset often leads to worse outcomes.

Listen now and learn:

► Why relying only on dividends and interest can increase your risk

► How a total return strategy offers greater flexibility and sustainability

► What behavioral traps drive the income-only approach

► Research-backed reasons to shift your retirement spending strategy

Visit www.TheLongTermInvestor.com for show notes, free resources, and a place to submit questions.

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The commentary in this “post” (including any related blog, podcasts, videos, and social media) reflects the personal opinions, viewpoints, and analyses of the Plancorp LLC employees providing such comments, and should not be regarded the views of Plancorp LLC. or its respective affiliates or as a description of advisory services provided by Plancorp LLC or performance returns of any Plancorp LLC client.

References to any securities or digital assets, or performance data, are for illustrative purposes only and do not constitute an investment recommendation or offer to provide investment advisory services. Charts and graphs provided within are for informational purposes solely and should not be relied upon when making any investment decision. Past performance is not indicative of future results. The content speaks only as of the date indicated. Any projections, estimates, forecasts, targets, prospects, and/or opinions expressed in these materials are subject to change without notice and may differ or be contrary to opinions expressed by others.

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