Use stocks to prevent outliving your retirement income

When I render advice to my clients concerning how much money they ought to have in stocks, I always remember something that Ken Fisher wrote in his book The Only Three Questions That Count: Investing by Knowing What Others Don't .  The questionnaires and the "investor-types" and the colored charts in your customized plan aren't for you. They're for the salesperson and the brokerage firm. The elaborate plan that tells you how unique you are and how much of your savings should be in stocks translates into: What will cover my ass when you try to sue me later? 

The result: almost everyone near or at retirement do not have enough invested in stocks when valuations are low or reasonable - which causes them to miss the extra expected returns that stocks will offer to bolster retirement income.

Some of the best strategies for managing longevity risk are plain old common sense: taking care with your portfolio-withdrawal rate (and reducing withdrawals during and immediately after a down market), working longer and/or part-time during retirement, and deferring receipt of Social Security benefits until age 65 or beyond.

But the most important strategy is holding a higher percentage of stocks than most advisors recommend.  I want to make sure my clients have enough income in retirement to live with dignity while maintaining their purchasing power.  The only way to do that is to maintain a portfolio of stocks of great companies.

Although there's no guarantee that stocks will go up over the next few decades--and holding an overly high stock position in retirement can subject your portfolio to undesirable volatility--equities have higher long-run return potential than bonds, whose future returns are often roughly in line with their yields.

via news.morningstar.com

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