How to Use the Bucket Strategy for a Stress-Free Retirement Planning | Value Research

In this episode of Investors' Hangout, Dhirendra Kumar explains the powerful three-bucket strategy for retirement planning that can help you manage risk, maximise returns, and secure a worry-free future. Learn how to allocate funds between liquid, medium-term, and long-term investments to achieve financial stability during retirement.
Dhirendra dives deep into strategies for retirees, including emergency funds, tax considerations, and portfolio rebalancing, ensuring you have the right tools to safeguard your savings.
Whether you're planning for retirement or looking for smarter investment insights, this episode is packed with valuable insights you can't afford to miss. Subscribe to our channel for more expert advice on managing your finances!

Timestamps:
00:05 Introduction
00:26 What is the bucket strategy, and how effective is it for retirement planning?
01:29 How should a retiree allocate funds across the three buckets to balance risk and returns?
03:24 What is a safe withdrawal rate for retirees?
05:41 How should a retiree approach portfolio rebalancing, given its complexity?
07:34 What is your final takeaway for retirees looking to implement the bucket strategy in their retirement plan?
09:42 Viewer's Question
12:40 Closing
12:48 Key Takeaways:
1. Use the 3-Bucket Strategy: Split your funds into immediate (liquid), medium-term (debt), and long-term (equity) — to match your time horizon and risk tolerance.
2. Let Your Context Decide: Your pension, health cover, and needs should guide your asset mix.
3. Withdraw Conservatively and Flexibly: Start with 5–6%. Adjust with markets. Aim for 4% over time to protect capital.
4. Rebalance Smartly: Use hybrid/equity funds. Avoid frequent taxable moves.
5. Keep It Simple, Trust Yourself: Your awareness and discipline matter—align investments with near- and long-term needs.
6. Always Keep a Buffer: Have cash handy for emergencies or market dips.

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