Sentences with phrase «as retirement approaches»

That means you will have more stocks when you are younger and your allocation will shift to favor bond funds as retirement approaches.

As retirement approaches in your 50s and 60s, it's typical to become more conservative and to replace some of those stocks with bonds and cash, which are generally considered less volatile.

The main feature of these funds is that investors are automatically switched from high risk to low risk assets as retirement approaches.

Many people choose to reduce exposure to high - risk stock investments as retirement approaches and put more of their savings into assets considered more stable.

In addition to maximizing your savings, there are several other factors to consider as retirement approaches.

That means you will have more stocks when you are younger and your allocation will shift to favor bond funds as retirement approaches.

As people are having children later in life, there is a greater chance that the college tuition bill for their kids will come due during their prime retirement savings years or, in an increasing number of cases, just as retirement approaches.

Defined contribution (DC) plans, such as 401 (k) s, place challenging demands on individuals, the highlights of which are to save diligently (which implies having adequate income, as well as budgeting abilities), to rationally select from among numerous investment vehicles, and to judiciously transition from wealth accumulation to income generation as retirement approaches.

Pfau, W. D., 2010, Lifecycle funds and wealth accumulation for retirement: Evidence for a more conservative asset allocation as retirement approaches, Financial Services Review 19, 59 - 74.

Other life cycle funds divide investment objectives into target retirement dates and simply assume that investors move over the continuum from aggressive to conservative as retirement approaches — and on to an income objective after retirement.

A solution to bad market timing is to offer a default investment vehicle, like a target - date mutual fund, that automatically rebalances an investor's portfolio, both cyclically as the market rises and falls, and as the client ages, reducing stock holdings as retirement approaches.

Empty nesters, another large component of the population, are also moving with lower costs in mind as retirement approaches.

Even for the ultra-wealthy, the need to pull back on risk as retirement approaches is a critical part of investing and one too many investors neglect.

The trade more than doubled his direct stake in the bank, and as his retirement approaches, those shares have almost doubled in price to $ 62.

Early in your career, a budget helps determine how much you can save and invest while, as retirement approaches, budgets help you analyze whether you've accumulated enough assets.

As retirement approaches, this higher risk strategy should gradually be turned into one for stability and finally to produce income (and this income is usually recommended to be from «safer» bonds).

As retirement approaches, I will need to review capital gain taxation, which is outlined in an excellent article by Michael Kitces.

There are probably many plan participants and retirement savers for whom mitigating investment drawdowns, as retirement approaches, is an appropriate investment policy.

As retirement approaches and if markets cooperate, portfolios would be gradually rebalanced to raise the fixed - income weight by 8 % every five years or so.

Do your best and as retirement approaches, it's important to assess what your retirement income sources will be and how they will compare to your spending.

Aside from maxing our 401 (k) s, many of us are searching for ways to generate income and cash flow, as retirement approaches.

As retirement approaches, adjust the holdings in your portfolio to protect the nest egg you've spent decades accumulating.

Investors who have decades to save should take more risk early on and gradually dial it down as retirement approaches.

As retirement approaches, your investment horizon shrinks.

As retirement approaches, lawyers should take time to think not only about the highlights — like fantasy trips — but also about the day - to - day.

As retirement approaches, you can liquidate the high - risk, high - return investments and shift to fixed income options which are safer.

As retirement approaches, an investor might want to consider liquidating some of those real estate portfolio holdings for cash proceeds, and then trade back into SFRS using a 1031 exchange.