When will you turn equities to cash for retirement?

2024-03-15

When will you turn equities to cash for retirement?

As individuals age, it's commonly advised to decrease stock holdings and increase safer assets. A rule of thumb suggests holding a percentage of stocks equal to 100 minus one's age. For instance, a 60-year-old might hold 40% stocks. According to the data from Empower as of October, 2023,Investors in their 20s and retirees over 70s place a higher percentage of their assets in cash (31.5% - 41.7%) than any other age group. $Tiger Brokers(TIGR)$ When will you withdraw your money from stock account for retirement?RewardsLeave your comments and also post to win tiger coins~Every valid comment will get at least 5 tiger coins!The hot and insightful comment will even get hundreds of tiger coins!

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A rule of thumb suggests holding a percentage of stocks equal to 100 minus one's age. For instance, a 60-year-old might hold 40% stocks. According to the data from Empower as of October, 2023,Investors in their 20s and retirees over 70s place a higher percentage of their assets in cash (31.5% - 41.7%) than any other age group. <a href=\"https://ttm.financial/S/TIGR\">$Tiger Brokers(TIGR)$</a> When will you withdraw your money from stock account for retirement?RewardsLeave your comments and also post to win tiger coins~Every valid comment will get at least 5 tiger coins!The hot and insightful comment will even get hundreds of tiger coins!","listText":"As individuals age, it's commonly advised to decrease stock holdings and increase safer assets. A rule of thumb suggests holding a percentage of stocks equal to 100 minus one's age. For instance, a 60-year-old might hold 40% stocks. According to the data from Empower as of October, 2023,Investors in their 20s and retirees over 70s place a higher percentage of their assets in cash (31.5% - 41.7%) than any other age group. <a href=\"https://ttm.financial/S/TIGR\">$Tiger Brokers(TIGR)$</a> When will you withdraw your money from stock account for retirement?RewardsLeave your comments and also post to win tiger coins~Every valid comment will get at least 5 tiger coins!The hot and insightful comment will even get hundreds of tiger coins!","text":"As individuals age, it's commonly advised to decrease stock holdings and increase safer assets. A rule of thumb suggests holding a percentage of stocks equal to 100 minus one's age. For instance, a 60-year-old might hold 40% stocks. According to the data from Empower as of October, 2023,Investors in their 20s and retirees over 70s place a higher percentage of their assets in cash (31.5% - 41.7%) than any other age group. $Tiger Brokers(TIGR)$ When will you withdraw your money from stock account for retirement?RewardsLeave your comments and also post to win tiger coins~Every valid comment will get at least 5 tiger coins!The hot and insightful comment will even get hundreds of tiger coins!","images":[{"img":"https://community-static.tradeup.com/news/67b44e21d919c725b5ee5dea0329d623","width":"486","height":"334"}],"top":1,"highlighted":2,"essential":2,"paper":2,"likeSize":459,"commentSize":26,"repostSize":105,"link":"https://ttm.financial/post/284681363980496","isVote":1,"tweetType":1,"viewCount":6088,"authorTweetTopStatus":1,"verified":2,"comments":[{"author":{"id":"4091758936365950","authorId":"4091758936365950","name":"MHh","avatar":"https://static.tigerbbs.com/54b2feced9ef5dcc9e95997d1f4db280","crmLevel":12,"crmLevelSwitch":1,"idStr":"4091758936365950","authorIdStr":"4091758936365950"},"content":"This is really just a rule of thumb with the general understanding that risk appetite should decrease with increased age. However, everyone should decide for oneself how much risk is acceptable. One can be very young yet hold only a small percentage in stock and higher percentage in bonds if one is uncomfortable with paper losses. It also depends on the macro situation. For example, in the last 2-3 years, bonds and stocks have both gone down and fixed deposits offer fairly reasonable returns of 3-5% annually. In this case, cash is probably better than even bonds. Additionally, not all stocks are the same. Generally, people invest in US stocks for capital gains and SREITs for dividend income. The runway to returns for developing economies tend to be longer than developed markets. Thus, when I’m closer to retirement, i would rotate away from developing countries to SREITS and take profit from US market. I dont think i will ever withdraw entirely from the stock market.","text":"This is really just a rule of thumb with the general understanding that risk appetite should decrease with increased age. However, everyone should decide for oneself how much risk is acceptable. One can be very young yet hold only a small percentage in stock and higher percentage in bonds if one is uncomfortable with paper losses. It also depends on the macro situation. For example, in the last 2-3 years, bonds and stocks have both gone down and fixed deposits offer fairly reasonable returns of 3-5% annually. In this case, cash is probably better than even bonds. Additionally, not all stocks are the same. Generally, people invest in US stocks for capital gains and SREITs for dividend income. The runway to returns for developing economies tend to be longer than developed markets. Thus, when I’m closer to retirement, i would rotate away from developing countries to SREITS and take profit from US market. I dont think i will ever withdraw entirely from the stock market.","html":"This is really just a rule of thumb with the general understanding that risk appetite should decrease with increased age. However, everyone should decide for oneself how much risk is acceptable. One can be very young yet hold only a small percentage in stock and higher percentage in bonds if one is uncomfortable with paper losses. It also depends on the macro situation. For example, in the last 2-3 years, bonds and stocks have both gone down and fixed deposits offer fairly reasonable returns of 3-5% annually. In this case, cash is probably better than even bonds. Additionally, not all stocks are the same. Generally, people invest in US stocks for capital gains and SREITs for dividend income. The runway to returns for developing economies tend to be longer than developed markets. Thus, when I’m closer to retirement, i would rotate away from developing countries to SREITS and take profit from US market. I dont think i will ever withdraw entirely from the stock market."},{"author":{"id":"3585001294737518","authorId":"3585001294737518","name":"Universe宇宙","avatar":"https://static.laohu8.com/default-avatar.jpg","crmLevel":12,"crmLevelSwitch":0,"idStr":"3585001294737518","authorIdStr":"3585001294737518"},"content":"When will you withdraw your money from stock account for retirement? @TigerGPT @LMSunshine @MHh @Shyon @icycrystal @DiAngel @melson @Mrzorro @Aqa @rL @SirBahamut @SirBahamut @HelenJanet @GoodLife99 @pekss @Korer","text":"When will you withdraw your money from stock account for retirement? @TigerGPT @LMSunshine @MHh @Shyon @icycrystal @DiAngel @melson @Mrzorro @Aqa @rL @SirBahamut @SirBahamut @HelenJanet @GoodLife99 @pekss @Korer","html":"When will you withdraw your money from stock account for retirement? @TigerGPT @LMSunshine @MHh @Shyon @icycrystal @DiAngel @melson @Mrzorro @Aqa @rL @SirBahamut @SirBahamut @HelenJanet @GoodLife99 @pekss @Korer"}],"imageCount":1,"langContent":"EN","totalScore":0}],"essenList":[]}