| Previous Close | 35.03 |
| Open | 35.12 |
| Bid | 29.90 x 2200 |
| Ask | 38.48 x 800 |
| Day's Range | 35.12 - 35.38 |
| 52 Week Range | 32.31 - 36.28 |
| Volume | 6,977 |
| Avg. Volume | 39,310 |
| Net Assets | 190.15M |
| NAV | 35.34 |
| PE Ratio (TTM) | N/A |
| Yield | 5.18% |
| YTD Daily Total Return | 9.23% |
| Beta (3Y Monthly) | 0.47 |
| Expense Ratio (net) | 0.55% |
| Inception Date | 2010-08-09 |
The linchpin of the Bucket Approach is one to two years' worth of living expenses set aside in cash instruments. By using broad-based index funds, you can easily determine which holdings to peel back on and where to add. Because many retirees have large shares of their portfolios in low-returning investments like cash and bonds, focusing on very low-cost investments is an easy way to enhance take-home returns.
Note: This article is part of Morningstar's 2019 Portfolio Tuneup week. The past few decades have brought huge challenges for retirees and pre-retirees: two market crashes, the ebbing away of pension plans, and dramatically declining interest rates (which are finally starting to head back up). The Bucket approach to retirement planning doesn't solve all of those problems.
Note: This article is part of Morningstar's 2019 Portfolio Tuneup week. A version of this article appeared on Jan. 26, 2018. Safety and quality are the watchwords of my conservative bucket portfolio, geared toward older retirees with a time horizon of 15 years or fewer.
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