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If I am in retirement and want my retirement funds to last 20 years, I will be using 25% of them in 0-5 years, 25% of them in 6-10 years and 50% of them in 11+ years. Should I allocate 25% “In Retirement”, 25% "Within 10 Years of Retirement” and 50% “More Than 10 Years From Retirement?" Or should it all be allocated as “In Retirement?”
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What does it mean to allocate your funds to "in Retirement"?

Personally, I wouldn't put any money I plan to spend in the next 10 years in stocks, so I'd go with a 50/50 split between stocks and fixed income for someone planning on living 20 years.

What's your plan if you live longer than 20 years?

intercst
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Motley Fools "Rule Your Retirement" Model Portfolios Updated 10-3-11 describes recommended asset allocations for "In Retirement," "Within 10 Years of Retirement," and "More That 10 Years From Retirement."

If my basic premise is thought to be either correct or incorrect, that information could be applied to 20 years or any other number of years.
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Motley Fools "Rule Your Retirement" Model Portfolios Updated 10-3-11 describes recommended asset allocations for "In Retirement," "Within 10 Years of Retirement," and "More That 10 Years From Retirement."



ah ... if you're retired, you're "in retirement", so you should ***Consider*** "In Retirement" Allocations --they *should* be about making your money last your lifetime.

... while considering, ask questions here* --there's several very smart people (not me) who don't always agree with MF




* anyone recommend any other boards?
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Motley Fools "Rule Your Retirement" Model Portfolios Updated 10-3-11 describes recommended asset allocations for "In Retirement," "Within 10 Years of Retirement," and "More That 10 Years From Retirement."

If you are subscribed to the Rule Your Retirement subscription service you should probably post in a private message board for that service. Many on this public board have not seen the report or article to which you have made reference which makes it difficult to respond without knowing the complete information or its context.
In general, however, "In retirement" means just that. Secondly I think that one should generally think of their investing portfolio in total and not in pieces. I don't think they would suggest you split up a portfolio as you implied.

Bob
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Of course, there is the usual advice of 100 or 110 minus age in equities, rest in fixed income. I don't follow that advice. Depending on the age you retired, planning for only 20 years might be risky.

db
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"Within ? Years of Retirement" means "Within ? Years Preceding Retirement".
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