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Retirement Planning TipsSmartAsset
•76% Informative
Randy and his wife have $ 235,000 in a savings account and $1.675 million in a brokerage account.
With Social Security and pensions, our monthly income is $ 11,000 and we save about $3,800 monthly .
Should we change our brokerage and 401(k) accounts to a 60/40 mix and move some of our savings to money market accounts or bonds?.
Your portfolio’s asset allocation should typically align with your risk tolerance, goals and/or time horizon.
When a bond or CD within the ladder matures, you simply reinvest that money into a new one.
A financial advisor can help you set up a CD or bond ladder, or simply help you figure out how much you should keep in savings.
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