How to Shift Your Investment Portfolio at Retirement

When saving for retirement, your investment portfolio is often growth-oriented and structured for the long term. But when you retire and start living off your savings, how should your investment strategy shift? We're helping you shift your investment portfolio from saving to spending on this episode of Wise Money.

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Kevin Korhorn, CFP® offers securities through Silver Oak Securities, Inc., Member FINRA/SIPC. Kevin offers advisory services through KFG Wealth Management, LLC dba Korhorn Financial Group. KFG Wealth Management, LLC dba Korhorn Financial Group and Silver Oak Securities, Inc. are not affiliated. Mike Bernard, CFP® and Joshua Gregory, CFP® offer advisory services through KFG Wealth Management, LLC dba Korhorn Financial Group. This information is for general financial education and is not intended to provide specific investment advice or recommendations. All investing and investment strategies involve risk, including the potential loss of principal. Asset allocation & diversification do not ensure a profit or prevent a loss in a declining market. Past performance is not a guarantee of future results.

Intro: (0:00)
Segment 1: (0:11)
Break 1: (10:24)
Segment 2: (12:24)
Break 2: (22:42)
Segment 3: (23:07)
Break 3: (33:23)
Segment 4 (35:20)
Outro: (45:39)

[gtman]

Why not a Treasury ladder instead of a CD ladder. Both, if less than 1-year maturities, generate 5% plus interest income.
But with Treasuries, you avoid paying state income tax, which you do pay with CD income.
So with Treasuries, your effective net income is greater than with CDs. It's a no-brainer if you live in a state that taxes your income.

[roburb]

100% stocks now, to retirement, and through retirement.

[dodgegarage]

You guys always beat around the bush and never give a definite answer.

[stevemlejnek]

If you are trying to bridge the years between early retirement and age 65 for medicare and possibly starting SS, with MYGAs yields at 5%+, would it be crazy to go that route if you could live on the MYGA interest alone. Wouldn't that remove sequence of returns risk, as your principal balance would remain unchanged, while living on the interest. Once you complete the MYGA at age 65, you could return to pursuing long term growth.

[josephjuno]

A problem I see w CD Ladder is the Longer term CDs are offering Lower rates than short term so they don't make sense? 5% 4.75 4.3 4.0% 3.75% as u go out?

[josephjuno]

"Affordable Care Act" in NOT AFFORDABLE! $9, 000 Deductible?

[josephjuno]

CapitalOne360 is paying 4.15% in High Performance Saving and is totally liquid