How to Invest as You Near Retirement [Rate my Portfolio Series]

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Title	:	How to Invest as You Near Retirement [Rate my Portfolio Series]
Lasting	:	28.32
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Views	:	25 rb

Rob, what do you think of bond ETFs like iBonds or BulletShares?
Comment from : ElectriFiNerd

Ssus expense ratios is way too high
Comment from : Quiet

Why do you and others talk about adding Bonds to Equities Personally, I've found bond funds a disaster Are there no alternatives to Bonds?
Comment from : Nick Fifield

Hey I am new in stock market Is there a huge fee diff between index funds and management funds?
Comment from : Alperen #

Love your content Keep doing what you are doing!
Comment from : Chris Toomey

In your example, would the same advice be applicable if I'm retired, but won't need a bucket of funds for 10-years?
Comment from : Michael Mandis

If your investment experience is less than 10 years start with a 5-6 portfolio Don't bet big on any single company, learn the process first Initially diversification is not that bad, it worked for me in initial year's, remember that protection of capital is a must
Comment from : KATHY LIEN

One thing you mentioned at the beginning was that the advisor was only managing her Roth? I wonder if they went 50/50 in the Roth while she was heavier in equities within her 401k I am not sure that asset location strategy makes sense but trying to find an out for this advisor!
Comment from : Andre Nader

Nice video! I was able to build a big income stream during the covid-19 pandemic investing with a professional broker, Mrs Lisa Gray
Comment from : Sabine Meier

Thanks for this video Very informative I too like Bengen's research results I retired last year and am not sure where to put my "near term" money I have 3 years of living expenses in cash, but think that may be too conservative You mention that you do not invest your 5 year near term money in the stock market, but rather in "fixed income" Bengen modeled bonds being in intermediate government bonds, but did not consider near term money If you don't mind sharing, what do you have your 5 year near term money invested in?
Comment from : Jerry Scott

Hello Rod, thanks for all your advice I have a portfolio of 44 holdings with my brother advising on 2/3 in individual stock and myself in index funds I feel I have been outperforming him over the last few years When I use portfolio visualizer he has done extremely well I can only put in 25 funds at any one time so I am not sure of the accuracy Let me know if you have the time to look or if you can advise where to go Lee
Comment from : Leigh Dodd

I don't understand why anyone would buy bond funds at this time Wouldn't any rise in interest rates cause them to go down? And since we're near 0 interest rates doesn't that make a bad investment? What is the rationale?
Comment from : Davide Antonicelli

Thank you so much for rating my portfolio You have given me so much food for thought Appears I am going to have to ask a number of questions to my advisor and possibly have no advisor at all
Comment from : Belinda Wardrick

Hi Rob long time lurker first time commenter Thanks for the good content and wide variety of neutral colored t shirts One topic I am interested in is sequence of return risk and how to mitigate it Im not sure there is a perfect way to mitigate it but if youre looking for topics for another video I would be interested in hearing your thoughts
Comment from : Tom Farnen

Thank you ,
Comment from : D

Are high dividend bearing REITS a stable place to allocate a large portion of our portfolio during retirement? If so, what percentage is reasonable?
Comment from : M C

Excellent video 58 with a few million and I find my self now having to make the difficult decision hiring an advisor or self-managing Still trying to figure out the value of turning my money over to an advisor after I was able to buil my portfolio without them In a future video it would be great to do a deep dive on that decision Also, why adopt a glide path and not just continue to fly?
Comment from : Surf 62

Don’t overlook the self dealing aspect of financial advisors Belinda’s advisor might be getting kickbacks and that’s why he put 50 of her money into bonds For myself, I would never put a penny into bonds Always technology stocks until the very end regardless of volatility
Comment from : Viaggi!

Rob, Momentum Factor works and studies/data have shown to beat the market, just as small cap value, large cap value and so forth brbrI'd recommend Larry Swedroe books on factor investing as he shows data behind why and how it outperforms brbrI personnaly have 10 of my US allocation in MTUM It isnt market timing based on opinionsbrbrCheers from Brazil
Comment from : Mister R

@Rob Berger, Like your case analysis that helps to void some potential problems Would you talk about how to invest and rebalance tax free Roth portfolio that It does not have bonds in it? thanks
Comment from : LW

Great analysis, Rob I've been using portfolio visualizer for a long time and I now judge everything against Wellington (VWELX) and/or Fidelity Balanced (FBALX) as benchmarks When looking holistically like you did here, it's very hard to beat those with anything but much more volatile portfolios, at least on my investment timeline (starting mid-90s) And with the Admiral version of Wellington now (VWENX) and its lower fees, that's where I'm planning to shift everything (except our Roth accounts) over the next few years in preparation for retirement
Comment from : Scoob E Doo

Perhaps for a future Rate my Portfolio Series breakdown - I'm 61 and plan on retiring at 63 I will not be touching money from this portfolio for approximately 4-5 years with a good cash position 25 VWENX; 35 VTI; 20@ VXUS; 10@ GLD and 10@ ARKK - would love to hear your assessment Thanks!
Comment from : Diana Berju

Thank you!!!
Comment from : Boris Shindman

What a great video bRob Berger/b 🤝brI’m 54 my wife 45 and we are retired living my best life now with my partner in Springfieldwe gathered over $5 million for retirement, saving and investing as been our biggest success and made it possible for us this early I’ve just stumbled upon this channel,much ❤️ love
Comment from : Melford Davidson

I find your videos really useful overall but definitely targeted more towards people nearing retirement I am younger and looking at buying my first home soon, any advice for people in that situation as far as building up and preparing for a down payment?
Comment from : Max McVety

She might be conservative because she has a large pension coming and/or her advisor believes the fed induced everything bubble is soon to pop
Comment from : Jeff

She has $11 million saved thus far for retirement and asking for advise?
Comment from : Urban Art

Good advice! I have friends who use financial advisors and take their recommendations as gospel I have difficulty convincing them to educate themselves at least enough to be able to question and evaluate the advice they are getting Leaving your financial future entirely in the hands of others is risky
Comment from : Larry K

Amazing video
Comment from : Collins Paul

Damn I want $115 million in my IRA
Comment from : Art Vandaley

Schwab’s stock ratings A-F are all momentum related I follow them fairly carefully for my individual stock holdings
Comment from : Auric Goldfinger

I am 65 What is best portfolio for me Tks
Comment from : Dona Dao

I am sorry to say Belinda is being fleeced 50 bonds 10 years out is ridiculous--and she is paying someone to give her bad advice Plus she is in loaded funds toobrWaste of money in fees
Comment from : Lianne459

Bonds make me squirm at current rates Furthermore, looking back at them and projecting forward is not only dangerous but wrong brbrI still love buckets after your videos Love your analysis
Comment from : Joe Kuhn

Thanks Rob I found it helpful to see your combined use of the various analysis tools taken together and their specialized application Appreciate your fresh perspective and that you are not beholden to any particular interest other than data and the investor - Bill
Comment from : CalKidWilly

Thank you so much for this - it is exactly what I needed to know brPlus, super grateful for someone who is older than 30 and has a mature, thoughtful demeanor!
Comment from : remcat

Agreed re the Smart and Momentum funds But you need to look at advisor fees from the perspective of what was she earning before hiring the advisor? Not what can she earn if she removes the advisor There's a possibility the advisor increased her account by the 30 year's of fees within the first year as things have gone I can only guess as to why she's 50/50, but often is the request, "I don't want to lose money", from the client So nevermind all of the research and asset allocation when that occurs And lastly, when the markets decline and your client asks, "How much would I have lost if I didn't follow your 80/20 recommendation and stayed 50/50?", what would you tell them?
Comment from : Chris Camburn

Social Security income can be thought as the interest payments of a fixed income investment For most people it can be equivalent to $1M amount (using 4 interest rate and around $3k income) So a separate investment might not be warranted
Comment from : Fatih Karakurt

thanks
Comment from : Rafi Tzur

A lot of people have much lower risk tolerances than what many planners/advisors project A person could do a lot worse than a balanced 50/50 portfolio
Comment from : Ryan Tinney