No. of Recommendations: 0
"Once you retire and want to conservatively grow your assets as well as protect your lifetime savings what fund or group of funds do you suggest I evaluate to invest my retirement assets?

I probably will not have to start to live on these investment assets until five or more years.

Thanks for your timely advice! "

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I am getting around to retirement soon as well and have been going
the dividend paying stock route for a while. But in general, the
idea in retirement is to generate cash flow - basically trying to
balance a spending budget you put together - and try to get
necessities covered by less risky sources of funds.
So, you hear a lot about "bucket" strategies - and life-cycle
strategies - and what they all amount to is to set up investment
portfolios so that you have a mix of risk/return funds.
But once in retirement, the general rule is to lean toward less
risk - and generally less risk involves fixed income investments -
which leans towards bonds.
But right now bonds do not give much of a return.
So, what do you do?
You can't wait around for interest rates to rise - you need cash
flow - so you look to get the best return you can - without going into
fixed income avenues that carry as much risk as equities.
I think there are a few "Equity and Income" funds which are reasonable
compromises - also ETFs that lean to dividends may be a reasonable
option.
Folks who don't sleep well with equity exposure look into
insurance products - annuities (be careful to avoid high fees
in any of the approaches - but variable annuities are known for
fees that come out of the woodwork). Read and understand the
contracts and/or prospectus for anything you consider.

Also, be aware, this is not a routinely used board - bring up the question to the other retirement boards for a wider audience:

http://boards.fool.com/retired-fools-112955.aspx?mid=3172070...

http://boards.fool.com/retire-early-campfire-112992.aspx?mid...

http://boards.fool.com/fire-wannabees-116370.aspx?mid=315565...

http://boards.fool.com/retire-early-liberal-edition-118222.a...

Good luck and on't hesitate to ask questions

Howie52
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