We start by discussing the 3 key ways to handle stock market volatility in retirement. Then we’ll turn to your questions.
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0:00 – Welcome to the Financial Freedom Show!
2:17 – 3 Ways To Deal With Stock Market Volatility in Retirement
15:27 – Q&A
19:28 – Videos for people 50+ in retirement
21:49 – Supplement cash reserves during a down market
29:20 – Treasury bills if the US defaults on debt
31:37 – MYGA
34:48 – De-cumulation in retirement
35:36 – Buying puts every 3 months
36:18 – Side hustles
39:50 – Roth IRA with a 10 year investment goal
42:15 – Wade Pfau
43:39 – Annuities
44:57 – Newsletter
45:35 – Vanguard digital advisor
53:09 – CPF’s
54:42 – Healthcare options for those who want to retire early
56:55 – $1 million to invest/DCA
1:02:44 – Creating a paycheck from qualified accounts
1:08:11 – VT and never rebalancing
1:11:45 – My books
1:13:04 – $600k tax bill/where to park the money
1:14:17 – BRKA holder
1:15:13 – A deep dive on LTC
1:16:35 – Calculating your personal inflation rate
1:20:12 – AI stock growth
1:22:19 – BND tax question
1:23:09 – History book
1:26:01 – Freelance writing
1:28:10 – DC airport
1:29:48 – Yoga
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ABOUT ME
While still working as a trial attorney in the securities field, I started writing about personal finance and investing In 2007. In 2013 I started the Doughroller Money Podcast, which has been downloaded millions of times. Today I’m the Deputy Editor of Forbes Advisor, managing a growing team of editors and writers that produce content to help readers make the most of their money.
I’m also the author of Retire Before Mom and Dad–The Simple Numbers Behind a Lifetime of Financial Freedom (
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REVEALED: How To Invest During Inflation
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HOW TO INVEST IN SILVER: Silver IRA Investing
Retirement is a time when most people look forward to enjoying their golden years with little to no worries. However, the stock market’s volatility has become a common occurrence in recent years, which can threaten one’s retirement savings. With that said, there are ways to deal with stock market volatility in retirement, and in this article, we’ll explore three effective ways to manage it.
1. Diversification: The age-old adage of ‘don’t put all your eggs in one basket’ holds significance in retirement too. Diversification helps spread risk across a variety of industries, asset classes, and geographical markets. This way, if one sector underperforms or is affected by market volatility, the others can still protect your portfolio from significant losses. So, instead of investing heavily in one stock or asset class, it’s wise to diversify and ensure that your portfolio is well-balanced.
2. Invest in bonds: Another way to stabilize your investment portfolio is to invest in bonds. Unlike stocks, bonds are less risky and provide steady income. Moreover, bonds serve as a cushion for your portfolio during a downturn. They can also provide an alternative source of income for your retirement, and bonds are typically less volatile than stocks.
3. Mitigate risk through professional help: Investing in the stock market can be a complex and challenging process, even for those who have done it many times before. As such, seeking professional guidance can mitigate risk and improve the chances of achieving investment goals. Financial advisors can help you assess the risk tolerance of your investment portfolio and provide insight into strategies that can help you manage and navigate stock market volatility.
In conclusion, the stock market’s volatility is a reality that all investors have to contend with. However, with diversification, investing in bonds, and seeking professional help, you can protect your retirement savings from significant losses. The key to success when dealing with stock market volatility is to stay calm, focus on your long-term goals, and make informed decisions. With these three strategies, you can enjoy your retirement years with the peace of mind that comes with a secure financial future.
I could never do 90/10 portfolio in retirement. It's one thing when you're dollar cost averaging into the market. Totally different when you're withdrawing.
To supplement income in general, I’d convert IRA while in lower tax bracket for income. You’re going to pay tax on it, why not do it now than later !
Rob's Schwab video: fear sells. p.s. I watched it.
Topics: the retirement tax trap…heavily invested in my 401k, and max’d it when I could, but never realized the importance of Roths until it was too late. Compounding could put you in forced higher brackets with RMDs…and the subsequent Medicare cost trap… tax brackets aren’t the only thing to consider when selling / realizing gains. Also realized too late (two years later, to be exact). If you’re funding retirement ahead, do it more than 2 years in advance…
Thanks for all!
Social security payments and IRMEE 28:55
Cardale Jones baby!!!!….
The DCA topic is one that gets a lot of limited thinking. Like you said, when you invest a specific amount of percentage of your paycheck regularly, it is functionally DCA but is technically lump sum investing repeatedly relative to a pay cycle. With regards to the 15 year DCA plan, that would only really matter if the asset remained above the threshold for DCA over LS…otherwise the plan is to DCA as long as the threshold is met, but if it fell below the threshold to just dump the total amount and reassess for future investments and kind of feels like more work than is worth compared to just maintaining a relatively constant strategy of regular contributions into a targeted allocation.
Just don't talk about football, or chess. All financial topics you cover are appreciated.
Can you expand on how you bought health insurance through your company
enjoyed the discussion, thanks
Rob – Love the new "set". Only suggestion would be to level out your camera to make all of the horizontal lines in your background level (including your desk). It's tilted ever so slightly to the right.
Your thoughts on dividends is messed up
Rob, you are the best retirement teacher I have found to date! Great content! Can you explain SEC Yield and PE Ratios?
everyone should read William L Shirer's RIse and Fall of the Third Reich. Fascinating history. Read it many years ago and I recommend it all the time.
Wow. Love the 90 degree rotation. Book case looks awesome
It's not the volatility I'm concerned about, it's the cyclicality. Japan's stock market still hasn't recovered to its 1989. high yet over 30 years later. Was 39k in 1989 and today it is 28k.
Short answer….do nothing and stick to your allocation
Maybe do a video on HOW to rebalance a portfolio in vanguard/through all investments. What to invest in someone's hsa? Those are some ideas that I've been looking for answers to.
New studio set up looks great. Very pleasant. Better than it was before
I enjoyed this session. Liked the response on lump sum investing and dollar cost averaging.
Hi Rob, I haven't seen any new content on your channel for some time until tonight as indicated by the dot next to your name on my subscription list. I thought that I should check it right away as there is no red radiating from your name as other channels have when they're live. They are also at the top of the list during a live stream! Is this some kind of glitch, or is it a setting that you choose to leave off? I think that after opening your channel, I needed to click live in order to see the video showing and had been running for about 15 minutes which I was able to watch from the beginning. I just set it to full screen and watched since I'm out of sync with the stream. Having the questions on screen is a good idea even if I was watching in real time!
Hey Rob, how about making an episode on the importance of emergency fund?
Retirement and investment. How about bonds and treasuries?
A HUGE thank you for bringing the comments back on the screen for each question. Much easier to follow and visually appealing. Keep up the incredible work Rob!
Forget colour coding the books just get the camera aligned with the top shelf.