Cash, Stocks, Bonds. Why “Safe” Can Still Be Risky in Retirement

Описание: 📉 💡 🎙️ Market volatility can turn “normal” retirement investing into a real stress test. In this conversation, Colin Richards breaks down the three retirement freedoms. Time, health, and wealth. Then he explains why the biggest obstacle to wealth in retirement is unpredictability in markets, especially when your plan relies too heavily on the usual mix of cash, stocks, and bond funds.
✅ Understand the real tradeoffs between safety, growth, and liquidity
✅ Learn why cash-only and stock-only strategies can both backfire in retirement planning
✅ Hear why traditional stock-and-bond mixes (including 60/40 and many target-date funds) may carry more risk than people expect

Chapters
00:00 Welcome and what this conversation covers
01:39 The 3 retirement freedoms: time, health, wealth
03:59 The obstacle to wealth: market volatility and unpredictability
05:46 Low-likelihood approaches: cash, stocks, bonds
12:37 Why the 60/40 portfolio can disappoint
14:14 A different approach: institutional-style risk management
20:49 Example concept: principal-protective, market-linked CD strategy

If you want to map out your own retirement plan and see how different strategies hold up across many potential outcomes, you can request a complimentary review below.


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Investment Advisory Services offered through Lord and Richards Wealth Management, LLC, a Registered Investment Adviser.