Portfolio Manager’s Guide: How Much Cash to Keep in Retirement?

Описание: How Much Cash Do You Really Need In Retirement?
Getting your retirement cash reserves right is a balancing act between safety and growth. In this video, I draw on my experience as a portfolio manager to help you determine exactly how much liquidity you need to weather market volatility without sacrificing long-term returns.

We’ll explore the "opportunity cost" of cash and how to structure your assets so you never have to sell stocks in a down market.
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Resources I recommend:

Click below to get the Empower FREE Budgeting, Retirement Planner (and Investment Management Tool Kit). Sign up with your email and password to give it a try.
https://barbarafriedbergpersonalfinan... [affiliate]
Quicken and Simplifi investment and budgeting software:
https://barbarafriedbergpersonalfinan...

High Yield Cash accounts:
Wealthfront Cash
https://barbarafriedbergpersonalfinan... [affiliate]
M1 Cash
https://barbarafriedbergpersonalfinan... [affiliate]

👉 Free MicroBook: How We Grew Our Retirement Account 965%
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🕒 Timestamps:
[00:00] - The big question: How much cash do you really need?

[00:33] - Why having too much cash can hurt your long-term wealth.

[01:21] - The "Sleep Well at Night" factor vs. inflation risks.

[02:15] - Practical guidelines for emergency funds in retirement.

[03:45] - The 2-to-3 year cash cushion strategy.

[05:10] - How to replenish your cash reserves using dividends and rebalancing.

[06:40] - Final thoughts: Tailoring your cash holdings to your lifestyle.

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Bio: Barbara A. Friedberg, MBA is a former investment portfolio manager and university finance and investing instructor. She currently owns and manages Barbara Friedberg Personal Finance https://barbarafriedbergpersonalfinan... and writes for US News and World Report, Investopedia, and Forbes Advisor. She is a regular panelist on Money Tree Investing Podcast (   / @moneytreeinvestingpodcast  .

Disclosures: I am not a licensed financial advisor, and this video is for informational purposes only. For financial advice, please consult your own advisor. Be aware that investing involves risk and that your investment values can go up and down over time. If you click on an affiliate link - we may receive a small affiliate commission to finance this YouTube Channel.

I have an account with M1 and use both the FREE investment tools at Empower and Quicken.

Empower Advisors Corporation (“PCAC”) compensates Wealth Media, LLC. (“Company”) for new leads. Wealth Media is not an investment client of PCAC.
This content is not a solicitation, is not endorsed by M1, and was not reviewed by M1; the opinions expressed are solely those of the authors and do not reflect M1's views. Information presented is accurate as of the video posting date; for the most up-to-date information, please refer to m1.com. Before making any investment decisions, consult your personal investment, legal, and tax advisors, as this content is for informational purposes only and not intended as investment recommendations.