If You're Retired, These 2 Assets Are All You Need - Charlie Munger

Описание: Retirement investing requires only two assets to generate income, preserve capital, and maintain purchasing power without complexity or excessive risk. Investment grade corporate bonds currently yielding five to seven percent provide reliable contractual income with principal return at maturity creating predictability retirees need for living expenses with one million dollars generating fifty to seventy thousand annually in interest. Dividend paying stocks in defensive sectors including utilities, consumer staples, healthcare, and telecommunications yielding three to five percent add inflation protection through growing dividends as companies increase payouts over time while providing equity exposure for appreciation potential. Combined portfolio generates four to six percent overall yield sufficient for most retirees with bonds delivering capital preservation and stocks protecting purchasing power. Implementation requires building bond ladder with staggered maturities providing liquidity and interest rate risk management plus diversified portfolio of twenty to thirty quality dividend payers or dividend focused ETFs across defensive sectors. Allocation depends on risk tolerance from conservative seventy percent bonds thirty percent stocks emphasizing stability to aggressive thirty percent bonds seventy percent stocks emphasizing growth. Historical performance through 2008 financial crisis, COVID crash, and 1970s inflation proves two asset combination works in all economic environments maintaining income and capital. Tax efficiency achieved through holding bonds in tax deferred IRAs and dividend stocks in taxable accounts for preferential treatment. Simplicity allows self-management saving massive advisor fees.

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