What American Retirees Get Wrong About Investing After 60

What American Retirees Get Wrong About Investing After 60 What do American retirees get wrong about investing after 60? The biggest mistake is assuming your age should determine your investment strategy. Two 65-year-olds can both have $750,000 invested and need completely different portfolios depending on how much income they actually need from that money. In this video, we compare three retirees with the same balance but withdrawal rates of roughly: 1.13% 3.53% 5.53% Same age. Same portfolio. Completely different level of risk. We also explain: • Why going too conservative after retirement can hurt long-term purchasing power • Why going too aggressive creates sequence-of-returns risk • How much cash retirees really need • Why Social Security and pensions should affect your investment strategy • Why a larger portfolio does not automatically mean you can take more risk • How to divide retirement money by when you will actually need it The most useful calculation after 60 is simple: Annual spending minus Social Security and pension income, divided by your portfolio. That tells you how hard your investments actually need to work. Your birthday does not determine your risk capacity. Your withdrawal rate, guaranteed income, spending flexibility, and time horizon do. #RetirementInvesting #RetirementPlanning #401k #SocialSecurity #InvestingAfter60 Disclaimer: This video is for general educational and informational purposes only and does not constitute financial, investment, tax, Social Security, pension, or retirement advice. Investment returns, withdrawal rates, market conditions, taxes, and individual circumstances vary. A little support goes a long way! If you’d like to help me keep creating, you can do so at https://ko-fi.com/liamfinance