Retirement Planning Strategy Tailored For Seniors
A retirement planning strategy called 'bucketing strategy' is discussed, involving dividing funds into three categories. One category requires stable, secure investments like fixed deposits or money market funds, suitable for covering living expenses for approximately five years.
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Sources · 7 independent
RTHK Radio 1 Cantonese
“礼物都不够。真的和你一起，和孩子一起去开这个投资展会。我印象中，以前和你聊过，每个人开一个投资展会，都要问很多问题。包括你的领域目标是什么？你可以风险承受点？投资时间长短？当然你在大约出去做工作20、30岁开始做这个问题，容易解答。可能说，我领域目标就是要退休。但对一个68岁以上的朋友来说，他的目标，风险承受力和投资时间长短，也和年轻朋友会不同。 退休后，有一个叫作“bucketing strategy”。你也可以想回三个钱。第一个钱，你显然需要一个稳定的钱。但那个稳定的钱不需要是100%。你可以计算，回到刚才，就是想你退休后的生活是怎么想的。你预计，如果你想松一点，可能五年一个支出可以放在一个更稳定的投资。可能是定期，甚至是一些货币基金。”
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