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“This is exactly how I’d invest $2M in retirement.” Sounds simple, right?
“This is exactly how I’d invest $2M in retirement.” Sounds simple, right? But when I hear one-size-fits-all advice like this, I get worried about what investors might be missing. Especially retirees. Here are three key points to consider: 👉First, returns matter in context. The U.S. market was up about 16% in 2025. International markets up roughly 23%. Going all-in (90% in this case) on one slice of the market (and one fund?!?) means missing meaningful growth and diversification elsewhere. 👉Second, this approach adds more risk than people realize. The S&P 500 is increasingly concentrated. Nearly 40% of the index right now is driven by just 10 companies. That’s not diversification…that’s diversification risk. 👉And third (this one matters most): Not everyone should invest the same way. A retiree who stopped working last Tuesday should not be investing like someone who’s 35. Or someone who’s 95. Plus everyone’s income needs and goals are different. That matters a lot in your portfolio decisions. As does risk tolerance, taxes, and timing. One-size-fits-all retirement advice rarely fits anyone well. Be sure you are working with a financial planner who understands your specific situation, and can develop a tailored income strategy along with an investment plan that makes sense for you. 👇Follow for more. #RetirementPlanning #FinancialPlanning #RetirementIncome #InvestingInRetirement #WealthStrategy #MarketRisk #DiversificationMatters #HighNetWorthPlanning #FinancialEducation #SmartMoney
Thinking about selling a business? The amount you can bank on might surprise you.
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Thinking about selling a business? The amount you can bank on might surprise you.
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