Find Your Retirement Investing and Living Style
Money For the Rest of Us
J. David Stein
4.5 • 1.4K Ratings
🗓️ 19 January 2022
⏱️ 31 minutes
🧾️ Download transcript
Summary
What are the pros and cons of the four approaches to managing retirement savings. How to implement a bucketing or time segmentation retirement investing approach.
Topics covered include:
- Why it takes time to find a retirement pattern that fits
- How retirement investing is a balance between safety-first and probability-based as well as maintaining optionality and committing.
- How total return investing differs from a safety-first approach
- What are products allow for a risk floor but also provide some potential growth
- How a time segmentation or bucket approach to retirement investing works
Thanks to Policygenius and Masterworks for sponsoring the episode.
For more information on this episode click here.
Show Notes
The Four Approaches to Managing Retirement Income Risk by Wade D. Pfau
Build Ladders With iBonds® ETFs—iShares
Related Episodes
279: Why All Retirees Should Consider an Income Annuity
306: Three Approaches to Asset Allocation
326: The New Math of Retirement Spending and Investing
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Transcript
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| 0:00.0 | Welcome to Money for the Rest of Us. This is a personal financial on money. How it |
| 0:04.8 | works, how to invest it, and how to live without worrying about it. I'm your host David |
| 0:10.1 | Stein, today it's episode 371. It's titled Find Your Retirement Investment and |
| 0:15.9 | Retirement Living Style. Ten years ago in April 2012, I left full-time |
| 0:22.7 | employment as an institutional investment advisor. I retired. Retired in the |
| 0:28.4 | sense I could choose what I wanted to do with my life. I could get up when I |
| 0:31.9 | wanted. I didn't have to answer to clients or business partners, and it's |
| 0:36.2 | amazing. It's been ten years. That's half the time I actually spent working |
| 0:40.4 | full-time, which lasted twenty years. Right after I quit my job, I launched an |
| 0:46.9 | investment education website at jdavidsstein.com. Then I shut it down a few weeks |
| 0:52.5 | later. I launched a different website. I decided I didn't want to use my name on |
| 0:57.2 | the URL, so I launched next 40 years.com. Shut that down a month or so later. Later |
| 1:04.3 | that year, I launched 401k Second Opinion and IRA Second Opinion.com as a sort of a |
| 1:12.2 | Robo Advisor-like service. I shut those down. All that in the first 13 months as I |
| 1:19.6 | tried to figure out what am I going to do with the rest of my life. During that |
| 1:23.8 | period, we spent three months traveling with our three children in Asia and |
| 1:27.8 | Europe. I didn't really plan very well when I entered retirement. I knew I liked |
| 1:35.0 | online business that I wanted to do something in my own name, build websites, |
| 1:39.4 | write, do video, but I also didn't want a commitment in that I had to show up at |
| 1:46.0 | a specific time in a specific day. In the summer and fall of 2013, I began |
| 1:51.2 | learning to program websites. I started trading futures. I got involved in Bitcoin. I |
| 1:57.4 | continued to write, to do photography, although much of my writing was not investment |
... |
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