Best fixed income portfolio for near retirement?

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DesertInvestor
Posts: 175
Joined: Tue Dec 20, 2016 1:04 pm

Best fixed income portfolio for near retirement?

Post by DesertInvestor » Fri May 22, 2020 2:15 pm

I guess there probably isn't one, but figured I would ask. I have my parents in a 50-50 stock bond/cash portfolio. Both working, but retiring in a few years. The bonds are similar to the vanguard target retirement funds (30% foreign bonds and 70% domestic). Probably 15% cash and 35% bonds right now on fixed income side. Cash has no yield as they don't trust online bank accouts and want easy access. I would like to keep it simple and they freak out and get confused whenever I suggest any changes. Is there any shift you recommend or just hold the course according to target fund recs?

annu
Posts: 595
Joined: Mon Nov 04, 2019 7:55 pm

Re: Best fixed income portfolio for near retirement?

Post by annu » Fri May 22, 2020 2:16 pm

check the thread on annuities, MAYGA are offerring 2%

retired@50
Posts: 2661
Joined: Tue Oct 01, 2019 2:36 pm
Location: Living in the U.S.A.

Re: Best fixed income portfolio for near retirement?

Post by retired@50 » Fri May 22, 2020 3:23 pm

You could always try to copy the allocation that Vanguard target date funds use. Check the Portfolio & Management tab for the applicable fund to get the "recipe".

Regards,
This is one person's opinion. Nothing more.

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