6/14/2018 Webcast: Asset Allocation in Retirement
There are several important factors that Vanguard considers when working with clients on an asset allocation plan. We must first understand a client’s individual financial goals, investment timeline, and risk tolerance in order to devise the best asset allocation strategy.
IMPORTANT INFORMATION
For more information about Vanguard funds or Vanguard ETFs, visit to obtain a prospectus or, if available, a summary prospectus. Investment objectives, risks, charges, expenses, and other important information are contained in the prospectus; read and consider it carefully before investing.
All investing is subject to risk, including the possible loss of the money you invest. There is no guarantee that any particular asset allocation or mix of funds will meet your investment objectives or provide you with a given level of income. Diversification does not ensure a profit or protect against a loss.
This webcast is for educational purposes only. We recommend that you consult a tax or financial advisor about your individual situation.
Advice services are provided by Vanguard Advisers, Inc., a registered investment advisor.
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Why are stocks and bonds the only thing considered for retirement asset allocation? Do they not consider income producing real estate?
There is no single answer to this question and there never will be. It all depends on the individual's goals, time to retire, expected time in retirement, risk tolerance, and on and on. Personally, I have a high risk tolerance, a long expected time in retirement and I want to grow my assets for giving purposes after I die, so I will never have less than a 70% allocation to stocks…and I am definitely not rich. Every individual must figure this out for their own situation. It's an issue that is pointless to try to generalize, in my opinion.
THINKING OF LIFE AFTER RETIREMENT is really a pain in the ass…. What’s the best advice for someone worried over Retirement
It depends if you found any bones in your ice cream that day AND if the wheels fell off your canoe wheel when you were padelling into work that day. If you had been padelling home, obviously that would mean more in bonds.
To me, this is not asset allocation as it is always about stocks & bonds. Bonds are a terrible investment in 2021 and the stock market is at an all time high, which has its' own set of risks. What about alternative investments? Rental real estate, multi-family syndication, private lending, private equity, precious metals, etc. I have come to realize that if a financial planner cannot be compensated for a product, it does not get recommended.
Have a great day
A lot of people with high IQs are terrible investors because they’ve got terrible temperaments. You need to keep raw, irrational emotion under control…
Based on age 110 – age, so 110 – 30 = 80 % in stocks, at 65 years old 110 – 65 = 45% in stocks. .
OMG, this is probably the worst video. It depends on the client?? Really!! Not even going to try and give a little advice? Let me run and put my money with them, lol
I hate these videos. Give us percentages and specific ETFs/mutual funds/bonds etc… All those warnings and basics are not hard to understand but the financial advisors love to regurgitate these 'facts' to sound like they know more than a retail investor.
If your rich. 90 % stocks. 10 % bonds
If your doing OK. 60 % stocks. 30 % bonds 10 % cash
If your not doing ok. 20 % stocks. 20 % bonds 60 % cash.
go with VTINX and be done with it. Otherwise 80% VBTLX and 20% VTSAX.
Had to fast forward this zero content crap. Talking gibberish, “ it depends” and “oh get an advisor”
I’ll save you guys time. 3 years Before you retire put all in the market, growth, growth and income, index, international. Here is the plan when you retire:
Leave 90% in the SAME stock market as above. Put 10% into dividends/bonds in case market tank for 1,2,3 years, so you still have money to spend. This way your money will continue to grow at highest rates rather than leaving 50% in bonds, that’s like 1-2 million for most people in BONDS? That’s crazy.
Awesome info!! Just Subbed!
If you want to know what my goal is, it’s to MAKE MONEY!
Zero content in this video.
What a waste of time. “It depends” doesn’t provide any insight and does’t answer the question.
With my 401(k) I can easily reallocate among the available funds. I click a button and enter the new percentages and at the end of the day it is done. Is there a way to do that in an IRA? Outside an IRA?