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.

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avatarJryadi
03-18
110-age, where stock and bonds allocation. Remember to diversify your portfolio
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03-18
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avatarShyon
03-18
A great topic to think about. When will you turn your equities to cash, at what age? Any planning? Well, conventional wisdom holds that when you hit your 70s, you should adjust your investment portfolio so it leans heavily toward low-risk bonds and cash accounts and away from higher-risk stocks and mutual funds. That strategy still has merit, according to many financial advisors. In terms of how much money you should have in the stock market at a certain age, for example 70 80 90 etc...: That depends on several different factors, ranging from your health and preferred lifestyle to your debt load, net worth, monthly bills, income sources and risk tolerance. One old bit of general wisdom mentioned by this article is that you should subtract your age from 100 to come up with the percenta
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avatarKSR
03-18
๐Ÿ‘
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avatarAqa
03-17
[Happy][Happy]๐Ÿฅฌ๐Ÿค๐Ÿ‰๐Ÿ“Active Ageing upon retirement - Eat and spend and be merry. One of the easiest to remember and therefore common rules of equities/ cash allocation is holding a percentage of stocks equal to 100 minus one's age. For example, a 60-year-old might hold 40% stocks and 60% cash. I find this sensible because our average age of mortality is still lower than 90. Retirees should eat well and live well. Time to spend the money! [Happy][Happy]
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avatarKczx
03-17
Well.... it depends on your financial needs and where do you think you are on your own financial curve  So long as you are still in wealth growing mode (regardless of your age, I reckon it's a personal choice) then you should keep your money in growing assets like equities. Once you decide that it's time to "take it easy" then perhaps it's wise to turn your equities into cash or annuity plans to allow you to lead a lifestyle of your choice. No need to worry about $$$ anymore.  Even if the stock markets go crazy, it's no longer your concerns. Plan early and plan ahead, cheers *citation, chart is taken from https://www.chiefgroup.com.hk/en/wealth?rl=Menu_Wealth
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avatarkoolgal
03-17

When Will I Turn Equities To Cash For Retirement?

๐ŸŒŸ๐ŸŒŸ๐ŸŒŸThe word Retirement conjures images of taking things easy and fading into the sunset for some people but not for me. Retirement to me means travelling the world, pursuing hobbies and living the best years of my life!  I would call it an active retirement.  So when will I start to turn Equities into cash for retirement?  The answer really lies with how much I really need to fund my active lifestyle.   Owning Equities especially those that pay great dividends provide a great source of passive income even while I travel the world. My favourite income generating Equities are my Singapore stocks especially the 3 Singapore banks $DBS GROUP HOLDINGS LTD(D05.SI)$  
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When Will I Turn Equities To Cash For Retirement?
avatarMicroStrategist
03-16
50-50 is for me then ๐Ÿ˜Š
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avatarhighhand
03-16
60 to 65 earliest. need 20 years to get 100% win rate for stocks.
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avatarไป˜้›ช้›
03-16
Why leave stock market? There is no retired age in the market. And we still can keep the investment and make the cash flow via shares. As for cash, can plan in advance what needed, how much we needed. 
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avatarjhtiger
03-16
when I'm closer to retirement or retired I wouldn't want excessive volatility as I wouldn't have the time to ride it out, so yes I'd hold more cash as I approach that age
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avataracekade
03-16
huft i need tutor, because i newbie and not be can 
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avatarECLC
03-16
Continue trading in retirement if healthy; stop and withdraw from stock account for huge medical payment.
1Reply
avataricycrystal
03-15
in general, this may be the rule if thumb - "rule of thumb suggests holding a percentage of stocks equal to 100 minus one's age"... I think it would also depend on your risk tolerance. also, depending on your financial health at that point in your life. it's always important to have risk management and ensure that you have  [USD] [USD] [USD] for emergencies. @Shyon @Aqa @GoodLife99
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avatarUniverseๅฎ‡ๅฎ™
03-15
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avatarMHh
03-15
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, w
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