If you're like most retirees or pre-retirees, you hunger for stability, yet yearn for growth to rejuvenate your portfolio that was battered over the past few years. Ray Lucia's Buckets of Money® offers a reassuring—and scientifically proven—strategy that gives investors both growth and income. Thus, this strategy can shield you from the short-term ups and downs of the market. It'll give you the courage and discipline to stay invested no matter what the future holds. And it'll help you plan your retirement years with greater confidence.
Ray Lucia on Buckets of Money®
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Stripped to its simplest, here's the premise of the Buckets of Money®: You organize your investments into three main groupings, or "buckets"—and take almost all the risk in Bucket No. 3, largely with stocks and real estate. You live by spending down the first two, relatively "safe" buckets, which contain bonds, annuities, CDs and other such investments. Meanwhile, you don't touch that third bucket.
That way you "buy" time by having reliable sources of steady income in retirement while you allow your stocks and real estate to grow for 15 years or more, greatly reducing the risk that's inherent in stock-market investing. You'll no longer need to fret over the market's ups and downs because time is on your side.
Of course, many variations and fine points exist. And one of our Buckets of Money® advisors can help craft a detailed plan that's personalized for you. Be sure to request an appointment or sign up for one of our seminars.
Understanding the Buckets of Money® Framework
The Buckets of Money® strategy is a smart, conservative way to protect and grow your nest egg so that you may enjoy a comfortable retirement without worrying about your money running out. Once your Buckets of Money® financial advisor knows your financial goals, they will show you how to divide your money into three "buckets" and create a customized Buckets plan.
Why You Should "Bucketize" Your Portfolio?
Because you will...
- Greatly increase the likelihood that your retirement savings will last as long as you need them to.
- Sleep better, knowing you are well-diversified and not hostage to the ups and down of the stock market.
- Enjoy the security of having a Buckets of Money® advisor walk you through the process and then monitor your portfolio's performance.