This stock-heavy portfolio is appropriate for retirees with long time horizons and ample risk tolerance.
This portfolio is geared toward retirees with a 20-year time horizon and moderate risk tolerance.
Geared toward retirees with shorter time horizons, this portfolio includes a heavy stake in bonds and cash.
We employ actively managed mutual funds and a stock-heavy portfolio mix.
Its allocations illustrate that even 40-somethings should be mostly in stocks.
Even with retirement on the horizon, our portfolio maintains a sizable equity weighting.
Designed for retirees in tax-deferred accounts, these portfolios blend index and active funds.
Sample allocations and holdings for aggressive, moderate, and conservative accumulators.
Morningstar's Christine Benz tackles how to manage those buckets, as well as what to put in them.
Withdrawal-sequencing guidelines can help determine which buckets go where, but flexibility, simplicity are essential.