I am getting ready to launch into my next life--Retirement. I have a nice nest egg and would like to compare notes with others on this board regarding how to spread this around for a good return. (Anything that beats the S&P500 by 10-15%+) I personally like the idea of spreading 3-5 years of expenses over a laddered CD or T-Bill account to provide a shelter for a market downturn.. What I would like to know is what others think of the aboveI am also planning to launch into my next life in a couple of years, and this sounds pretty much in line with my thinking. However, I think that if your nest egg is large enough to allow withdrawals at less than 4% of your total portfolio, you might consider reducing the fixed income portion; ie, shifting to less years of laddered CD's and going with a higher percentage of equities. I think that the less you withdraw on a yearly basis, the higher your equity portion should be to remain on the efficient frontier (See 'Stocks for the Long Run' by Jeromy Siegle).where are others putting the balance of their investmentsI am getting much more conservative in my investing style as I approach retirement. I am moving more and more toward mechancical value investing strategies, because they have a low beta coefficient and returns that average well above the indexes. In addition, you rebalance your portfolio once a year, which gives you the perfect opportunity to withdraw whatever you need to replenish your fixed portion of your portfolio (or not, if the market is down). One such strategy is the Foolish Four which has its own board. There are lots of other mechanical investing strategies discussed on the Mechanical Investing board. I tend to like to hold more than four stocks, so I don't put a large portion of my portfolio in the Foolish Four.-arkayem
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