In this video, I explain how to think about cash in retirement and why the right answer depends on your retirement income plan—not a one-size-fits-all rule of thumb.
In this video, you’ll learn:
- Why retirees need cash reserves
- The difference between an emergency fund and your portfolio’s cash allocation
- How inflation impacts cash over time
- How much cash and fixed income you may want inside your portfolio
- How Social Security, pensions, and annuities affect your cash needs
- What sequence-of-returns risk is—and why it matters
- A practical framework for determining your retirement cash reserves
- A real-world example using a $2 million portfolio
Whether you’re approaching retirement or already retired, understanding how to balance cash, fixed income, and investments can help you create a retirement income strategy that provides both confidence and long-term growth.
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