If You’re Over 60: Protect Capital + Earn 6–8% (Munger Way)

If You’re Over 60: Protect Capital + Earn 6–8% (Munger Way)
#RetirementInvesting #CharlieMunger #Over60Investing
Charlie Munger retirement investing strategy over 60: how to protect capital grow 6-8% safely without gambling. Munger safe retirement portfolio—dividend stocks bonds cash allocation protecting wealth after 60. Stop chasing 30% returns start preserving capital intelligently.

MUNGER'S SAFE 6-8% RETIREMENT STRATEGY (OVER 60):
If you're 65+ with 500K-1M saved, you don't need miracles—need 6-8% annual returns absolute safety principal. One bad decision after 60 destroys retirement permanently because can't rebuild from zero anymore.

PORTFOLIO ALLOCATION FOR RETIREES:
50-60% high-quality dividend stocks (Johnson & Johnson, Coca-Cola, Procter & Gamble)—3-4% yield growing 5-7% annually
30-40% intermediate-term bonds—4-5% yield provides stability when stocks crash
10% cash emergency buffer—1-2 years living expenses never forced sell investments wrong time

CRITICAL INSIGHTS:
Sequence returns risk kills retirement portfolios—market crashes 40% year two retirement withdrawing 4% from 600K not 1M = 6.7% unsustainable rate broke by 80. Social Security delay until 70 = guaranteed 8% annual return zero risk—no investment offers this waiting 62→70 = hundreds thousands more lifetime benefits. Bond ladder maturity certainty—one bond matures yearly predictable cash never sell losses unlike stocks.

Munger lesson: Past 60 preservation beats optimization every time. Don't need brilliance need avoidance stupidity. Boring 6-8% portfolio works gambling 30% destroys you can't recover.

⚠️ DISCLAIMER:
This is a fan-made educational channel not affiliated with Charlie Munger, Berkshire Hathaway, or any related entity.
All content is for educational and entertainment purposes only. This is not personalized financial advice. Always conduct your own research and consult qualified financial professionals before making investment decisions.
**The narration uses a digitally generated voice that is inspired by Charlie Munger’s speaking style. It is not a real recording, and no attempt is made to imitate, impersonate, or mislead viewers into believing the audio is authentic.

🌟 IN MEMORY OF CHARLIE MUNGER (1924–2023)
Charlie Munger passed away in 2023 at the age of 99, leaving behind not only immense wealth but also timeless wisdom. His principles of rational thinking, patience, and humility continue to guide generations of investors

© 2025 The Munger Files

#RetirementInvesting #CharlieMunger #Over60Investing #SafeRetirement #DividendInvesting #CapitalPreservation #InvestingAfter60 #ProtectCapital #SafeInvesting #MungerWisdom