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I have $1 Million: How Should I Invest It Before I Retire?
Автор: Guerra Wealth Advisors
Загружено: 2025-01-17
Просмотров: 37728
Описание:
Jane and Joe, a couple in their 60s, are preparing to retire with $1 million in savings. Their goal is to maintain a monthly spending of $8,000 to cover expenses like travel, dining out, mortgage, and utilities.
Sebastian emphasizes the importance of understanding spending patterns, noting that many retirees underestimate their needs. He introduces the concept of the "five retirement buckets" - cash, safe growth, risky growth, and two additional buckets - and advises on how to allocate the $1 million across these different investment categories.
The analysis examines four investment scenarios, ranging from 100% cash allocation to a balanced approach of 5% cash, 55% safe growth, and 40% risky growth. Sebastian explains that a cash-only strategy is inadequate due to low returns and inflation, suggesting a mix of safe and risky growth investments. The balanced strategy can provide higher potential returns while mitigating the risk of running out of money during retirement. Sebastian stresses the need for a balanced portfolio to ensure Jane and Joe's $1 million lasts throughout their retirement years.
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_ _
⏱Timestamps:⏱
00:00 - Intro
00:45 - Jane and Joe’s finances & retirement goals
2:44 - Cash bucket and its limitations
3:54 - Safe and risky growth buckets
5:50 - Four different investment scenarios
9:52 - Takeaways
We are an independent financial advisory firm helping individuals create retirement strategies using a variety of investment and insurance products to custom suit their needs and objectives. Securities offered through Guerra Advisory Services, a Registered Investment Adviser firm, registered with the U.S. Securities and Exchange Commission (SEC).
View our YouTube Disclaimer Policy here: https://guerrawealth.com/privacy-policy/
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