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Rethinking Fixed Income: Why Investors Over 50 Don’t Necessarily Need Bonds
Rethinking Fixed Income: Why Investors Over 50 Don’t Necessarily Need Bonds
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Conventional wisdom suggests that investors in their 50s should shift toward bonds as retirement approaches. Yet financial planners argue this one-size-fits-all approach ignores individual liquidity needs, growth objectives, and market conditions.
Scott Bishop, a certified financial planner and co-founder of Presidio Wealth Partners, cautions against rigid rules like the "100 minus age" allocation formula. Economist James Choi goes further, advocating 100% equity exposure for much of an investor’s working life.
The key consideration isn’t age but timing—when will the funds be needed? A bucketing strategy can mitigate sequence-of-returns risk NEAR retirement without abandoning growth assets prematurely.
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