When cementing money after leaving the workforce some like and only she. Want to play it safe. I tend to be very conservative. But being too conservative too early can be a mistake. Most people reduce. Asset allocation. Get all conservative age 65. No no no.

  Got a quarter of a century or more to go. Others want some growth and rely on their advisors deliver. It's a mixture. Cephalon mixture. I couldn't tell you exactly how it's how he peaked he explained it to us and we agreed and I can't remember. I have enough confidence and it really have a lot of confidence in hand so what is the right mix is the old favorite of 60% of your portfolio in stocks and 40% in bonds. The right way to go. So many people get it wrong. I'm a big fan of John ovals oft quoted hundred.

  Minus your age is the maximum amount to put in equities. And for women living alone I do adjust back to a 110 minus your age has weekend to live longer. A 65 year old man put 35% of his portfolio into stocks. Well a 65 year old woman would put 40% of her portfolio into stocks but with interest rates expected to rise.

  Some advisors say investors with all of their nonstop money in traditional bonds will likely suffer. At some point interest rates have to go back up. Just the reversion to mean it has to happen when that does bond prices are going to get hurt. And folks on fixed income we're going to get hurt unless they're either holding those bonds to maturity.

  The word their lettered in various ways they can be buying new higher coupon bonds along the way. Rob puts his client since alternative investments like real estate and private jet to increase to diversification. What ever strategy issues don't sweat the details of the market have confidence and focus on something fun like your golf game or your grandkids instead. I'm aren't young writers.