Optimized for Outside Guarantees
This bucket strives to provide investors with a guaranteed income for life, is the most conservative portion of planning, and is suitable for investors with long life expectancies. Ex. Pension income, Social Security, Annuity Income, Life Insurance Policy Loans
Optimized for Spending Needs
Invested in equity and public marketplace. These investments fall in the range of 20-40 using the Riskalyze speedometer. This bucket buys time for your Balanced investments to grow untouched weathering more volatility. This bucket should meet between 2-7 years of spending buffer.
Optimized to Replenish Spending
Invested in equity and public marketplace. These investments fall in the range of 40-55 using the Riskalyze speedometer. This bucket bridges your spend down and long-term growth buckets by replenishing the spend down, and allowing your Growth investments to appreciate untouched weathering more volatility.
Optimized to Grow Untouched
Invested in equity and public marketplace. These investments fall in the range of 55-80 using the Riskalyze speedometer. This bucket ensures your lifestyle can maintain pace with inflationary events and take advantage of new market leaders. It is the most volatile bucket, which is why it should not be touched often.
Optimized for Diversification
Invested in multiple markets (equity, real estate, private, businesses). Considered an alternative bucket with the key being asset income and appreciation is not tied to equity market risks. Uncorrelated assets and income streams are key, often this bucket is considered in planning but separate from our management oversight.
All investing involves risk, including the possible loss of principal. There is no assurance that any investment strategy will be successful. Past performance is not an indication or guarantee of future results. A diversified portfolio does not assure a profit or protect against loss in a declining market.