Strategy

“How can I insure that the money I need in the near term is safe and predictable, and not subject to the day-to-day market fluctuations, while I simultaneously put myself in a position to receive the long-term market returns required to provide an increasing income stream throughout my entire life?”

The Bucket Bliss Strategy creates “buckets” of investments appropriate to the time frame in retirement in which the income need is anticipated.

Here is how the different buckets work.

Bucket #1 is built with very safe, secure investments that are designed to provide you with a dependable and predictable income for the first five years of retirement.

Bucket #2 will spend the first five years of retirement growing your money before it is needed, allowing you can choose investments that are designed to grow for five years and then provide income for the second five years of retirement.

Bucket #3 gives you a ten-year period for the investment to grow before you need the money for income. Therefore, you can select investments that allow you to maximize your returns over that time frame.

Bucket #4 works the same way as Bucket #3 but you have fifteen or more years to let it grow. This gives you the necessary time to withstand the ups and downs of more aggressive investments.

The Bucket Bliss Strategy is not a one-time hit. It’s a fluid, adaptive strategy that has been repeated again and again. It’s designed to give you the retirement income you’ve worked so hard for. But it’s not a generic strategy you can easily implement by yourself. It’s tailored to your goals, your objectives, and your financial situation by a financial advisor who can put a plan in place to make your retirement dreams come true. No doubt your plan will need adjusting over time as the market swings, inflation fluctuates, and your lifestyle changes. A professional financial advisor can ensure your Bucket Bliss plan stays on track.

These basic concepts help you maximize your retirement income and avoid the two most common problems you face in your retirement years: spending too much and running out of money before you run out of life, or spending too little and foregoing opportunities that would have provided you with a full and abundant life during your retirement.