bucket strategy retirement
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The Safest Way to Use Retirement Savings: A Practical Guide
- October 5, 2025
- Category: Income Strategies, Retirement Planning, Tax Planning
Executive Summary: The safest way to use retirement savings is simple and sturdy: secure an income floor for essentials, hold a cash buffer for shocks, and invest the rest for long-term growth while following clear, rules-based withdrawal guardrails. Blend Social Security, pensions or annuities, a bond/TIPS ladder, diversified portfolios, and a tax-aware withdrawal order so
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Too Much Cash in Retirement? The Real Risks Explained
- October 2, 2025
- Category: Investment Strategies, Personal Finance, Retirement Planning
Executive summary: Holding a large cash cushion feels safe, yet too much cash in retirement can quietly erode purchasing power, reduce long-term income, and raise the chance of falling behind inflation. A right-sized reserve for near-term spending (paired with bonds and diversified equities for later years) protects today’s bills and tomorrow’s lifestyle. What “too much