Declining Or Rising Equity Strategy In Retirement?
Traditional retirement planning calls for gradually reducing an investor’s equity allocation and increasing the allocation to safe bonds.
Perhaps the most well-known example of this concept is the adage that your stock allocation should be equal to 100 minus your age (or with now-longer life expectancies, 110 minus your age). The gradually declining equity (DE) allocation strategy is used by typical life cycle funds, or target-date funds.
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