The question regarding the amount of money in stocks necessary for retirement was brought up at the Oxford Club Private Wealth Seminar. The answer was dependent on portfolio size, monthly overhead, health, and age. The solution is called retirement rebalancing. This requires an analysis of the volume, and pricing in the stock market, and finding the buying opportunities. This begins with a calculation of the amount of cash, and low-risk bonds needed to pay for monthly overhead.
When the market is high, liquidating stocks is necessary for retirement rebalancing, so retirement expenses can be covered, and a few extra years of reserve will be available. When it’s a bare market, stocks should not be cashed in at the lower prices, and expenses should be covered with a reserve. If the market is low for several years, expenses should be covered by the dwindling reserve. The retirement rebalance goes back in effect when the market recovers, equities can be cashed in, and the reserve replaced.
When five years of expenses cannot be set aside with the current portfolio, different options are available. The individual can continue to work, save additional funds, invest at a higher return rate, risk having a reserve of only three, or four years, and reduce living expenses.
The Oxford Club is a global, private network of entrepreneurs, and successful investors. They can beat the market with an investment system that is both time-tested, and unique. Their recommendations cover currencies, precious metals, collectibles, real estate, funds, options, bonds, and equities. The members have high levels in their business, and social connections within the Club.
The Oxford Club’s goal is to provide help for over 80,000 members to gain, keep, and protect their wealth. They have accomplished this under all market conditions for more than twenty years. They believe the most profitable options are located outside the mainstream press. Hundreds of opportunities for investments are researched, and chosen for the highest potential for profit, with the lowest risk factor.
Check out The Oxford Club’s Youtube channel for more information on the high road to financial independence.