Retirement & Income Planning
The Big Question #17: When should I become more conservative?
In this Big Question episode, Presilium answers when to become more conservative with investments. The decision should be driven by your time horizon and when you'll need the money, especially nearing or in retirement, rather than by age alone, balancing the need for stability with the need for ongoing growth.
In this Big Question episode, Presilium answers when to become more conservative with investments. The decision should be driven by your time horizon and when you'll need the money, especially nearing or in retirement, rather than by age alone, balancing the need for stability with the need for ongoing growth.
Key takeaways
- Getting more conservative should be driven by when you'll need the money, not by age alone.
- As retirement nears, holding stable assets for near-term spending helps protect against poorly timed declines.
- Even in retirement, most investors still need growth to outpace inflation over a long horizon.
- Matching your allocation to your time horizon and income needs is the core of getting conservative wisely.
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