When More Risk Is Needed in Your Retirement Portfolio (And When It's Not)

Описание: If you’re trying to understand how investment risk, spending, and retirement decisions all fit together, I put together a free, on-demand workshop that walks through how tax planning changes through the four stages of retirement.

You can watch it here:

https://haywoodwealth.com/tax-plannin...

One of the most common questions people ask as they approach retirement is how much risk they should be taking with their investments.

Should you be more conservative to protect what you have, or more aggressive so your portfolio continues to grow?

In this video, I explain why the answer depends less on age and more on one critical variable: how much you plan to spend in retirement.

Using a real world case study of a married couple preparing to retire, I show how monthly spending alone can dramatically change the probability of retirement success and how different risk levels affect outcomes at different expense levels.

You will learn:

‣ Why investment risk should never be chosen in isolation
‣ How retirement spending drives portfolio decisions
‣ Why being too conservative can sometimes increase the risk of running out of money
‣ How higher spending often requires higher portfolio risk

I walk through multiple scenarios using the same couple and the same assets, changing only two variables: spending and risk tolerance. The results clearly show how portfolio success can rise or fall based on how these decisions work together.

I also explain why retirement planning is not about choosing the safest portfolio, but about aligning lifestyle goals, income needs, and investment strategy.

Key Takeaways 🔑

• How monthly retirement expenses impact portfolio sustainability
• Why lower risk does not always mean better outcomes
• How portfolio allocation affects probability of success
• Why growth can still matter in retirement
• How reducing expenses can lower the need for investment risk
• Why spending decisions should come before investment decisions

Chapters
00:00 How Much Risk Should You Take In Retirement
00:55 Meet Dave And Linda
01:40 Moderate Portfolio And Initial Results
02:16 What Happens With A Conservative Portfolio
03:00 Aggressive Increases Probability
04:13 Lower Expenses Change Everything
05:25 Scaling Back Makes A Big Impact
05:53 Final Thoughts

📅 Ready to Build A Retirement Plan That Aligns Risk And Lifestyle?

Schedule a conversation with Haywood Wealth Management:

🌐 https://haywoodwealth.com

📞 Call: 281-848-2566

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💬 Your Turn: How confident are you in your retirement spending plan, and do you know how it impacts your investment risk?

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Disclaimer:

Advisory services offered through Haywood Wealth Management, LLC, a registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. We do not provide tax preparation or legal services. Always consult with your CPA or attorney regarding your specific situation.

Viewing this video does not create an advisory relationship with Haywood Wealth. Investment strategies discussed may not be suitable for everyone. All investments involve risk, and past performance is not indicative of future results. Any opinions expressed are as of the date of recording and are subject to change.