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Investments as a Retiree

When you retire, you have additional variables that need to be taken into consideration when investing: Risk & time.

Risk & time: Two variables that must work together

Josh introduces the Investments as a Retiree page

Investments are the one area of financial planning that most financial advisors love to focus on. That’s because investing is the area where you have the most control over while you’re working.

When you retire, you have additional variables that need to be taken into consideration. The most popular topic about investments that retirees talk about is risk. “How much risk do I want to take?”

Whether you’re working or retired, risk is always important when you invest. If you start investing in your teens and continue through the day you pass away, risk is important.

But there’s another variable that is equally as important to retirees. And that variable? It’s time.

Time is equally as important to retirees as risk.

Time – not how long you’re going to live, but how long until you’re going to spend a dollar. For most working people, they’re not going to spend the money they’re investing for quite some time. For them, time isn’t all that important.

But as you retire you’ve got to spend some of that money, which is why it’s crucial to understand how these variables work together.

And unlike the other topics we cover in our Academy, these variables do not work in a vacuum! We have to understand your income play, your asset allocation play, and your legacy desire. These things are very important in deciding how you should invest in your retirement years.

A retired couple riding bikes in the woods
Retired couple walking from their Jeep to a pier on the water
  • A retired couple riding bikes in the woods
  • Retired couple walking from their Jeep to a pier on the water
  • Retired couple happily walking on path near water in the mountains

Investments as a Retiree

Videos

Josh holds up the letter from AE Wealth

AE Wealth Changes

Inflation is here, and so are government bonds that are popular again. I’m talking specifically about I Bonds. We’ve recorded a quick video to go over what I Bonds are, how they may impact your situation, what you need to know, as well as how you can go about purchasing them if you think it’s right for you.
I Bonds video thumbnail

I Bonds – A Financial Tool to Battle Inflation

Inflation is here, and so are government bonds that are popular again. I’m talking specifically about I Bonds. We’ve recorded a quick video to go over what I Bonds are, how they may impact your situation, what you need to know, as well as how you can go about purchasing them if you think it’s right for you.
Retired couple having breakfast

Estate Planning

Estate planning involves creating a strategy for how your assets will be handled when you’re no longer able to handle them. Listen to Josh discuss the importance of wills, trusts and beneficiaries in creating an estate plan.
Retired guy hanging in the pool

The 3 Pillars of Retirement Planning

Fear of retiring is a very real thing that we see in our office all of the time. We reference “The 3 Pillars” which are Income Planning, Asset Allocation and Tax Planning to help you feel prepared for this next phase of your life. Listen to Josh discuss these 3 important topics in the video below.

Investments as a Retiree

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