Portfolio Check · by Minh Nguyen · 2026-08-31
Retired last year and trying a 3-bucket setup
Age 61. Recently left full-time work. I'm testing a simple bucket approach because it helps me not stare at market swings all day.
Current setup:
- 2 years spending in cash
- 5 years spending in bond funds and short-term bonds
- the rest in global stock funds
Percent wise it's about:
- 42% stocks
- 38% bonds
- 20% cash
Would love critique from people who are actually drawing down, not just accumulation warriors telling me to go 100% stocks until my funeral.
Current setup:
- 2 years spending in cash
- 5 years spending in bond funds and short-term bonds
- the rest in global stock funds
Percent wise it's about:
- 42% stocks
- 38% bonds
- 20% cash
Would love critique from people who are actually drawing down, not just accumulation warriors telling me to go 100% stocks until my funeral.
35 sparks · 5 comments