Should You Use the 3 Bucket Strategy for Retirement?

Описание: Should You Use the 3 Bucket Strategy for Retirement?
𝗦𝗰𝗵𝗲𝗱𝘂𝗹𝗲 𝗮 𝗰𝗮𝗹𝗹 𝘄𝗶𝘁𝗵 𝗗𝗮𝘃𝗶𝗱 📅 https://meetings.hubspot.com/david-aaron

Are you preparing for retirement and wondering how to invest your money safely while still generating the income you need? In this video, we explore the 3 Bucket Strategy for Retirement—a time-tested investment approach designed to balance growth, income, and stability throughout your retirement years.

Whether you're just entering retirement or planning a few years ahead, this strategy can help you reduce financial stress and make smarter withdrawal decisions. But is it right for everyone? We break down the pros, cons, and key considerations to help you decide.

🔍 What You’ll Learn in This Video:

✅ What is the 3 Bucket Strategy and how does it work?
✅ How each "bucket" plays a specific role in your retirement income plan
✅ Real-world examples of how retirees use this strategy to weather market downturns
✅ Why proper asset allocation and timing matter more in retirement than during accumulation years
✅ How to structure your cash, fixed income, and equities for a smoother retirement drawdown

🪣 The 3 Buckets Explained:

1. Bucket 1 – Cash & Short-Term Income
This is your emergency fund and immediate income bucket. It holds 1–3 years’ worth of expenses in liquid assets like high-interest savings, GICs, or money market funds.

2. Bucket 2 – Medium-Term Income
Designed to refill Bucket 1 every few years, this bucket typically includes low-risk bonds or conservative balanced funds. It's your buffer against market volatility.

3. Bucket 3 – Long-Term Growth
This bucket is invested for the long haul, often in equities or growth-oriented ETFs. The goal here is to outpace inflation and grow your capital for later years in retirement.

🎯 Why the 3 Bucket Strategy Works:

✅ It creates a psychological and financial safety net during market downturns.
✅ Helps retirees avoid selling investments at a loss during volatile markets.
✅ Supports a consistent income stream, even during recessions.
✅ It’s flexible and can be adjusted as your retirement needs evolve.

❗ But Be Cautious…
This strategy isn’t one-size-fits-all. Some retirees may be better served by income-focused portfolios or guaranteed income products. We’ll discuss when this strategy could hurt your retirement plan and when it’s worth adopting.

👨‍💼 *About Us:*
At Aaron Wealth Management, we help Canadians nearing retirement create income strategies that are tax-efficient, personalized, and designed to give peace of mind. If you’d like a custom retirement income plan built around your lifestyle and financial goals, book a complimentary consultation using the link below.

𝗪𝗵𝘆 𝗬𝗼𝘂 𝗦𝗵𝗼𝘂𝗹𝗱 𝗪𝗮𝘁𝗰𝗵:
This video is not just for economists or financial experts; it’s for anyone concerned about their financial well-being in the coming years. If you're looking for ways to safeguard your investments, plan for retirement, or understand the economic indicators that could impact your future, this video is your go-to resource.

By the end of this discussion, you’ll have a clearer understanding of the driving forces behind rising interest rates, market volatility, CPP / OAS, Retirement planning and the tools you'll need for protecting your assets and ensuring a secure financial future.

Don't leave your financial future to chance. Equip yourself with the knowledge you need and consider getting professional advice to navigate these uncertain times. Subscribe for more insights and actionable tips.

Disclaimer: This video is for informational purposes only and should not be considered as financial advice.

If you have any further questions about this video's topic or any financial planning questions in general, I encourage you to schedule your confidential meeting with me.  You can schedule your meeting here: https://meetings.hubspot.com/david-aaron

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