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The week's question
In March 2025, in the thread "Re: OT, out", Umm asked the members: "Do you think it is because America is made up of magical soil that makes businesses based in America magically profitable?" This week it is put to everyone again. The button below opens the small thread re-asking it - read what others have said so far, then give your own answer as an ordinary reply.
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Personal Finance / Retirement Investing
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Author: sykesix ✭  😊 😞
Number: of 1355 
Subject: Re: 100% Stocks
Date: 10/28/25 3:16 PM
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So I am considering what I think is referred to as the "bucket strategy"

Sometimes thinking in buckets can be useful, but for me most often it seems to confuse things. As you spend down the first bucket, your total portfolio allocation is changing to a higher stock weighting. In other words, you're simply changing your asset allocation over time. Kitces calls a variation of this the reverse equity glidepath. In the early part of retirement you start off bond heavy, and start weighting more towards stocks as you move through the critical early period. So you don't need two buckets. Just one bucket that you rebalance each year to your desired asset allocation.

kitces.com - Managing portfolio size effect with bond tent in retirement red zone
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This community has written 1,284 posts about Retirement Investing. The article-length ones it recommended most:
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