Close To Retirement? Make This One Important Move

Going through market dips when in retirement can be stressful. But staying on top of this one thing can help you be more prepared and provide more peace of mind.
-Dave Zoller, CFP®

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  1. Getting rid of your big balanced funds and replacing them with lots of smaller asset specific funds is supposed to reduce your retirement stress level? Oh, I get it, we're supposed t hire you to allocate all those funds for us.

  2. If you hold Vanguard balance index which I'm assuming that's the fund you've shown by the description, that fund already rebalanced every day your stock and bond allocation. Which means when you take withdrawal your portfolio will remain at your desiered asset allocation.

    Also the idea of an asset allocation is too stick to it. Which a balanced index fund does perfectly.
    But this is much better for tax deferred or tax advantaged accounts then mixing taxable and tax advantage accounts

  3. The problem with some and perhaps many that have 401ks is the choices of funds within the 401K are sometimes dismal. In my case we have access to only 30 funds with all of them being Aggressive growth, Large cap, or medium cap with a couple bond funds which are terrible. No middle or conservative funds. So I have mine split across large cap, med cap growth and just have to ride the roller coaster market until I retire and it rolls to an IRA. At that point I will have access to many hundreds of funds to choose from and will reallocate then.

  4. Hi I click the link to get access to the DIY Retirement course but I have never gotten the email link to click. I have tried twice is it not working?

  5. Thank you Dave, I sure appreciate all your insight. I am very close to retirement and am worried about the whole world (Russia/Ukraine and the new world order) let alone the market. Your videos help open my eyes to new ideas and helps me stay on the right path. Thank you again.

  6. I think I have watched all of your videos, but at the end of the day it is better to hire a professional to help with something as important as retirement. Things are constantly changing and there are so many factors in play that a trusted retirement planner is invaluable. Great video as always.

  7. The "idea" of retirement is the whole contradiction of forty years of effort. The thoughts shift honestly creates good sized strain for many. I don't know who, however a person desires to pay attention to this, you have to stop relying on the government and saving all of your money. Venture into making an investment a few in case you actually monetary freedom

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