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Accelerating the Rising Equity Glidepath, with Treasury Bills as Portfolio Ballast?
Michael Kitces in Nerd's Eye View Aug. 13, 2014 "[R]ecent research has suggested that the optimal approach might actually be ... to start with less equity exposure early in retirement when the portfolio is largest and most exposed to a significant market decline, and then 'glide' the equity exposure slightly higher each year throughout retirement.... [T]he better rising equity glidepath approach is to just increase equities in the first half of retirement until it reaches the target threshold, and then level off.... [A]ccelerating the glidepath also reduces the amount of time that the portfolio is 'bond-heavy' ... [It] may be even more effective to simply take interest rate risk off the table by owning short-term bonds instead[.]" |
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