Portfolio Check · by Quiet Rider · 2026-09-29
59, spouse retiring before me, so our portfolio suddenly has two timelines
I'm 59, spouse is 62 and likely done next year. I work a little longer. That has made our allocation conversations much more interesting.
Combined portfolio target now:
- 50% equities
- 30% bonds
- 20% cash / near-term spending
Before this we were closer to 65/25/10. Risk tolerance medium, maybe medium-low for the household once one income disappears. Anyone else deal with staggered retirements without overcorrecting into fear?
Combined portfolio target now:
- 50% equities
- 30% bonds
- 20% cash / near-term spending
Before this we were closer to 65/25/10. Risk tolerance medium, maybe medium-low for the household once one income disappears. Anyone else deal with staggered retirements without overcorrecting into fear?
6 sparks · 5 comments