How Much Should I Have In Bonds/Cash/etc. In Retirement?

We explore how much safe money you should maintain throughout retirement for financial security and peace of mind without sacrificing long-term growth potential. Instead of using cookie-cutter rules, we break down a personalized approach to balancing safety and growth in your retirement portfolio. • Start with your annual spending needs to calculate your safe money base • A good starting point is having 5 years of living expenses in safe assets • Your safe money requirements should decrease as guaranteed income sources (Social Security, pensions) begin • The 60/40 portfolio rule doesn't work for everyone - your allocation should reflect your specific situation • As your portfolio grows, the percentage allocated to safe money typically decreases • Too much safe money risks losing purchasing power to inflation over time • Consider your emotional "sleep number" - how much safe money you need to feel secure • Factor in upcoming expenses like healthcare, travel, and home renovations • Cookie-cutter planning fails because everyone's situation is unique and dynamic Submit your financial questions at earlyretirementpodcast.com for a chance to have them answered in a future episode. Create Your Custom Early Retirement Strategy Here Get access to the same software I use for my clients and join the Early Retirement Academy here Ari Taublieb, CFP ®, MBA is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence.