Dealing with Risk in Retirement.

[gcgang]

http://alephblog.com/2015/10/31/one-dozen-thoughts-on-dealing-with-risk-in-investing-for-retirement/

Relatively harmless article on how to not screw up your retirement.

Warning for the DIY investor reacting to emotions is old news to most here.

Most annoying comment, to me, is his statement that you don't benefit from a rise in market values because it detracts from future opportunities. Really? As a recent retiree, the future is now for me. A big loss to create great opportunities is not what I'm rooting for.

 

[DrRoy]

I completely agree on the annoying comment. A rise in market value means you have more to work with, have locked in a better yield, and/or have a cushion against market declines. At best the comment only applies if you are sitting on cash.

 

[Bryan Barnfellow]

The author of the article mis-states the 4% withdrawal rate rule of thumb, as many do. Sigh.

-BB