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Including Your Pension in Your Investment Strategy

When discussing pensions and asset allocation, reactions are often emotional. Many investors resist the idea that having a pension might justify taking more equity risk. But a simple question clarifies the issue. Do you include your 401(k) or Roth IRA when determining your asset allocation? You do. A pension is no different. It behaves economically like a bond — a source of guaranteed future income. In this video, I explain: • Why pensions must be included in your investment strategy • How to treat lump sum pensions vs lifetime annuities • Why you should only count benefits you have already earned • How to convert lifetime income into a bond-equivalent value • What the Blanchett & Finke research suggests about pensions and optimal stock allocation in your remaining portfolio The more of your retirement spending is covered by guaranteed income, the more risk capacity your remaining portfolio can carry. That shift happens faster than most investors assume — including those with a low risk tolerance. -------------------------------- 00:00 – Why to include a pension in your strategy 00:30 – Why my portfolio is nearly 100% stocks outside my pension 01:07 – How much is your pension worth? 03:24 – Pension effect on remaining portfolio (case 1: retiree) 04:02 – Pension effect on remaining portfolio (case 2: young investor) -------------------------------- 🌍 Link to the Blanchett/Finke Study: https://papers.ssrn.com/sol3/papers.c... 📘 Catching Up on Investing A clear path to becoming a disciplined, long-term investor. https://www.amazon.com/dp/B0F3VYBLSK 📊 Free Tools & resources: https://catchinguponinvesting.com #assetallocation #pension #investingstrategy #networth