Retirement Basics: Asset Allocation

Retirement Answer Man

Roger Whitney, CFP®, CIMA®, RMA, CPWA®

Lifeplanning, Retirementplanning, Financialplanning, Saving, Careerplanning, Self-improvement, Education, Retirementpodcast, Investing, Business, Investmentmanagement, Retirement

4.7 • 1.1K Ratings

🗓️ 9 April 2025

⏱️ 53 minutes

🔗️ Recording | iTunes | RSS

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Summary

💬 Show Notes

In this episode, we break down the essentials of asset allocation and time management in retirement planning. Join us as we explore why it's crucial to focus on the basics rather than getting lost in market predictions and investment products. We also share insightful listener questions and another entry from my grandfather's World War II journal. Tune in to learn how to rock your retirement!

OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN

(00:00) This week we continue talking about the basics with asset allocation.
(02:00) Time is your most precious resource.
(03:36) Retirement planning is a means to an end.
(05:45) We don’t want to waste time on trying to predict the future but on more important things like spending time on and in your life.
(06:15) Spend time on the basic building blocks of retirement planning.
(07:05) How does asset allocation fit into retirement planning?
(09:10) Inflation is the natural increase in the cost of living over time.
(13:52) What is asset allocation?
(16:10) Part of asset allocation is a concept called diversification.
(18:48) What is asset allocation best used for?
(21:50) Two of the biggest determinants of where your asset allocation should be are your psychological preference and your time horizon.

LISTERNER QUESTIONS

(24:13) Steve asks whether they should use a single vendor for all their accounts or diversify where they have their money housed in terms of investment firms.
(26:29) The next question comes from Nick related to asset allocation.
(32:18) Question from an RRC member about Vanguard offering a direct conversion.
(35:48) Audio question from Leah about using IRA contributions to start building out a bond ladder or a shorter term allocation.
(39:50) Audio question from Patty who recently retired and needs to decide what to do with her 401k assets and how to choose an advisor.

ROCKIN’ RETIREMENT IN THE WILD

(49:01) James says he is overfunded for retirement even with a 10%-15% market correction but will aim to do better.

SMART SPRINT

(50:47) In the next seven days, think about your asset allocation and think about it within time segments.

BONUS

(51:33) Roger reads from his grandfather’s WWII journal.

REFERENCES

Retirement Answer Man
Sign up for The Noodle (previously known as Six Shot Saturday)

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Transcript

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0:00.0	investors like you, financial planners, retirement media, spend way too much time thinking and talking about the markets, the economy, investment selection, and product.
0:16.3	And this can have a significant negative impact on you rocking retirement.
0:26.8	Hey there, welcome to the show dedicated to helping you not just survive retirement,
0:33.4	but have the confidence to lean in and rock it.
0:37.9	Today we're going to continue this theme on basics and talk about asset allocation.
0:43.9	And a lot of this gets wrapped into time allocation, which I'll explain.
0:49.1	In addition to that, we're going to answer some of your questions, tell a rocking retirement in the wild story
0:55.4	from someone just like you out there doing the work and creating a great life. And then last
1:00.9	but not least, we'll share our latest segment from my grandfather's journal of flying in a
1:05.5	B-17 in World War II. Now next month, May, I can't believe it's almost May, we are going to have
1:13.5	another retirement plan live case study. So that'll be coming in May. I have some ideas.
1:20.7	Haven't put it all together yet, but I'll keep you up to date on that. If you want access to the
1:25.8	resources that we share in the case study, in addition to the exclusive videos and resources we share each week on the show, we share those within our weekly email, The Noodle.
1:38.5	It's a great way to give you links to videos as well as other resources.
1:43.2	Send it out every Saturday morning.
1:44.5	If you like to show, you'll love the noodle.
1:46.2	You can sign up at the noodle.m.e.
1:50.2	All right.
1:50.4	With that said, let's get down to the basics.
1:58.2	Time is your most precious resource, even more so if you're near or in retirement.
2:06.9	Let's assume you're 60 years old.
2:09.2	And you have 30 year time rising because you're going to live to 90.
	...

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