Retirement Investing: Why Going Too Conservative Can Hurt Your Plan скачать в хорошем качестве

Retirement Investing: Why Going Too Conservative Can Hurt Your Plan

In this video, I walk through a real-world case to show how adjusting your portfolio allocation—without going too conservative—can dramatically impact your retirement success. Learn why striking the right balance between growth and stability is key when taking distributions in retirement. ✅ Ideal for pre-retirees in their late 50s and early 60s ✅ See how portfolio changes affect your retirement plan ✅ Understand the risks of being too conservative ✅ Learn how to model your future ====================== 👉 Create Your Free Retirement Plan: https://www.carothersrockwell.com/pla... ====================== 🗓️ Want personalized support?👉 Schedule a Strategy Call: https://www.carothersrockwell.com/#Co... ====================== 🔔 Subscribe for more retirement planning content:    / @zachcarothers   ====================== 🤝 Connect With Zach: LinkedIn:   / zachcarothers   Facebook:   / 61560844877926   Instagram:   / planwithzach   X (Twitter): https://x.com/advisorzach ====================== ⏱️ Timestamps: 00:00 – Intro: Retirement Investing 00:17 – Example Case Study 01:17 – Initial Investment Allocation 02:02 – Growth Portfolio Allocation vs Most Aggressive Growth Portfolio Allocation 02:38 – Most Aggressive Portfolio Composition 03:10 – Risks of A Most Aggressive Portfolio 03:20 – Sequence of Returns Risk 03:54 – Longevity Risk 04:10 – High Volatility Risk 04:57 – Emotional Decision-Making Risk 05:22 – Diversification Risk 05:42 – Conservative Portfolio Risks 06:28 – Preservation Allocation Composition 07:40 – How A Conservative Portfolio Impacts How You Withdraw Funds 08:10 – Inflation Risk (Erosion of Purchasing Power) 09:05 – Longevity Risk 09:26 – Risk of Missed Growth and Compounding Returns 10:42 – Withdrawal Rate Review 11:31 – How A Moderate Portfolio Impacts Your Plan 11:52 – Moderate Portfolio Composition 12:26 – Summary and Thank You #portfolioallocation #marketrisk #sequenceofreturnsrisk #longevityrisk #volatility #diversificationrisk #inflationrisk → Bonds are subject to market and interest rate risk if sold prior to maturity. Bond values will decline as interest rates rise. Bonds are subject to availability, change in price, call features and credit risk. → Stock investing includes risks, including fluctuating prices and loss of principal.​