10 Tactics for Building a Resilient Retirement Portfolio in the Modern Era
A robust retirement portfolio requires more than just traditional stocks and bonds. The modern investor must balance income generation, capital preservation, and long-term growth while adapting to shifting market conditions. Cutting-edge strategies, such as the 'bucket' approach, offer structural and psychological frameworks for managing distributions.
The time-segmented bucketing strategy organizes assets into tiered pools based on spending horizons. The first tier prioritizes short-term liquidity, holding one to three years of living expenses in conservative instruments like cash equivalents or short-term CDs. This method ensures stability while allowing other portfolio segments to focus on growth.