- Things are much different than they were 10 or 20 years ago but everyone seems to follow the same retirement investing advice.
- As retirees are in need of more security they are now forced into more risk as bonds have become riskier than stocks while also giving a lower yield.
- If you’re looking for security, cash may be your best bet.
You’ve likely heard the advice that as you get closer to retirement you should move toward having a bigger chunk of your portfolio in bonds rather than stocks. Most retirement funds are structured in that way. Vanguard Target Retirement Funds allocate 90% of assets in equities and 10% in bonds if you are going to retire between 2058 and 2062, thus 45 years from now. More →