Oxford Club Analyzes Retirement Balancing

Oxford Club held a private wealth seminar last week at the Four Seasons Resort in Santa Fe, New Mexico. Attendees were given chances to ask questions during the seminar, and one of them asked a question concerning the amount of money an individual should have in stocks. The amount of money you need to have in stocks before retiring depends on your age, the size of your portfolio, your monthly overhead, and your health.

The real-world solution to this is retirement balancing. Americans these days are living for longer years than before. Therefore, if you retire at the age of 65 in reasonably good health, you could enjoy three full decades in retirement. You require a slug of equities to give you long-term return that can comfortably exceed the rate of inflation, given a 20 0r 30-year time horizon. Inflation may not be present today, but that may not be the case in the future, especially when you measure the future in decades.

With retirement balancing, you calculate the amount of money you require in low-risk bonds and cash to fund monthly expenses instead of being concerned about the percentage of your portfolio in stocks. You can then set aside living expenses for five years. You have several options such as saving more, working longer an investing at a higher rate of return if you lack the portfolio broad enough to set aside for five years’ expenses.

About The Oxford Club

Investment U is an educational arm of the Oxford Club, which was established in 1999. It was one of the first independent financial education sites on the internet. It offers the ultimate financial question of how to obtain real economic freedom through its fee e-letter Investment U daily videos, conference, and courses among other resources. It has a premium version of its daily e-letter, known as Investment U Plus, which has actionable recommendations of stocks to assist subscribers in taking advantage of the day’s top stories. The Oxford Club is a private and international network of entrepreneurs and investors whose mission is to assist over 80,000 members in protecting and gaining extraordinary wealth. The club has achieved its mission in all market conditions for more than twenty years now.

The Oxford Club believes that the best opportunities are not found in the mainstream press. The club is dedicated to researching hundreds of investment opportunities and selecting the opportunities that have highest profit potential and lowest risk levels. The club then shares the possibilities with its members.

Listen to The Oxford Club’s Chief Income Strategist, Marc Lichtenfeld on The Oxford Club Radio for more financial tips and tricks.

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