8 Questions to Ask Yourself Before Retiring

Do I Need to Make Changes to My Investment Portfolio?

As you near retirement, you may also want to make some adjustments to the investment portfolio you’re hoping will power it. This could involve switching to more conservative stock or bond options, but it doesn’t have to, Kinsey says.

“You need to ask yourself: ‘How conservative can I be and still reach my goals?’” he says. “This doesn’t mean you have to run to bonds. You can move to an ... more 

Do I Need to Make Changes to My Investment Portfolio?

As you near retirement, you may also want to make some adjustments to the investment portfolio you’re hoping will power it. This could involve switching to more conservative stock or bond options, but it doesn’t have to, Kinsey says.

“You need to ask yourself: ‘How conservative can I be and still reach my goals?’” he says. “This doesn’t mean you have to run to bonds. You can move to an asset-deduction model that makes sure you have enough [money] to cover the income gap and then invest for growth.” less