Where you put your cash for retirement?

Parent Cafe
1

<p>If you have some cash for retirement, wil you:</p>

<ol>
<li>CD? Money market?</li>
<li>Stock market?</li>
<li>Funds?</li>
<li>…</li>
</ol>

2

<p>All of the above, and then some. Diversify.</p>

3

<p>Good answer - also depends on such factors as your age, risk tolerance, how much in private pensions will you get, how well funded your retirement account is to provide the level of income you will need to support the life style you are targeting, etc.</p>

4

<p>In addition to what dadinator said, I use my gut to measure our diversification:</p>

<p>If you can’t stomach down market days (like today), decrease exposure to riskier investments (e.g, stocks) and increase investments in bonds or CDs.</p>

<p>I have a strong stomach :-)</p>

5

<p>under couch cushions. in change. ;)</p>

6

<p>Well, spent more than we should have sending the kids to college with what COULD have been retirement $$ (but no regrets). The rest, we have sitting in various places like the original poster–some stocks, some mutual funds, some real estate, some IRAs,some cash/money market, one 401K, and H will get a retirement annuity for his life & I’ll get a smaller one if I survive him. Nothing in our mattress or sofa cushions. ;)</p>

7

<p>Except for my current 401(k) and a pension I’ll get in a few more years, all my retirement money is consolidated with one investment manager. And that entire pot of $$$ is allocated 60% stocks, 40% cash and fixed income investments. They deem this a “moderate” portfolio. So, when everyone tanked, I didn’t tank so badly; when everone came back up, I didn’t come back up so strongly. </p>

<p>Less volatility works for my stomach. </p>

<p>The most important thing is regularly scheduled re-allocation. If stocks have fallen and they’re no longer 60% of my portfolio, I have to bring the entire portfolio back into balance. Conversely, if stocks have had a great quarter, time to sell some stocks and move those proceeds into the conservative portion of the portfolio.</p>

8

<p>In TSAs and IRAs that were well diversified…and into my required pension account.</p>