Here is a snippet from an article on FIDO:
Some financial advisers say retirement investors should consider the value of their Social Security benefits as a piece of their fixed-income investments.
Generally, adopting that strategy would mean shifting a big portion of your investible assets out of bonds and into stocks.
For example, if you’ve got $300,000 worth of Social Security benefits and a $700,000 investment portfolio, then your total portfolio is worth $1 million. If you wanted 50% of that portfolio, or $500,000, allocated to fixed-income investments, then just $200,000 of your investment portfolio would be in bonds, while $500,000 would be in equities.
I think this is quite valid. I also view my military retirement pay as part of my fixed-income investments. Doing this makes my portfolio about 50/50. But I have had to argue with some of my investment advisors about this in that they feel I am too heavily weighted in securities (75/25 just looking at the portfolio)
Curious as to how others might look at this.
full story here: https://news.fidelity.com/news/arti...ity-portfolio-2013&topic=living-in-retirement
Some financial advisers say retirement investors should consider the value of their Social Security benefits as a piece of their fixed-income investments.
Generally, adopting that strategy would mean shifting a big portion of your investible assets out of bonds and into stocks.
For example, if you’ve got $300,000 worth of Social Security benefits and a $700,000 investment portfolio, then your total portfolio is worth $1 million. If you wanted 50% of that portfolio, or $500,000, allocated to fixed-income investments, then just $200,000 of your investment portfolio would be in bonds, while $500,000 would be in equities.
I think this is quite valid. I also view my military retirement pay as part of my fixed-income investments. Doing this makes my portfolio about 50/50. But I have had to argue with some of my investment advisors about this in that they feel I am too heavily weighted in securities (75/25 just looking at the portfolio)
Curious as to how others might look at this.
full story here: https://news.fidelity.com/news/arti...ity-portfolio-2013&topic=living-in-retirement
Last edited: