Why the 60/40 Portfolio Is Failing Retirees (And What Actually Works Now) | The Limitless Retirement Podcast

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Retirees often fall into the trap of using one-size-fits-all investment plans. Danny explains why understanding both risk capacity and risk tolerance is essential, and how the spending bucket approach helps protect against market downturns. His message is clear: a customized, well-structured investment strategy is key to generating reliable income for life.

Key Takeaways

• Retirees often start with generic investment strategies.
• Retirement planning should not be a one-size-fits-all approach.
• Understanding risk capacity is crucial for retirement planning.
• A spending bucket can protect against market downturns.
• Risk tolerance is about emotional responses to market changes.
• Your 'freak out number' is key to understanding risk tolerance.
• Combining risk capacity and tolerance creates a personalized strategy.
• The best portfolio allows you to stay invested during downturns.
• Investment strategies should be based on individual circumstances.
• Structuring investments properly can ensure reliable retirement income.

Resources:

• Gudorf Financial Group
• Get Your Free Retirement Assessment
• The Retire Ready Toolkit (free resource)
• Subscribe on Youtube