Retirement Portfolio Allocation

Retirement Portfolio Allocation

Retirement Portfolio Allocation

retirement portfolio asset allocation - As you transition into retirement, you'll likely need to make some adjustments to your retirement portfolio.
What's the right mix of investments for you?

Stocks can be volatile, offering greater risks and rewards. Cash and fixed income tend to be safer bets, providing more modest returns. While it’s generally recommended that you take on a more conservative investing approach as you reach retirement, it will depend on your own unique circumstances and tolerance for risk.

Use our asset allocation models as guidelines to help you balance your need for income and growth.
Moderate

                    5%
                    35%
                    60%

                    Cash Investments
                    Fixed Income
                    Stock
                    45% U.S.
                    15% International

Performance: 1970–20131
Average Annual Return: 9.8%
Best Year: 30.9%
Worst Year: –20.9%
Consider this if:

    You are age 60–69
    You don't need current income
    You want solid growth with relative stability
    You can tolerate some fluctuations but considerably less than the overall stock market

Moderately Conservative

                    10%
                    50%
                    40%

                 
                    Cash Investments
                    Fixed Income
                    Stock
                    30% U.S.
                    10% International
         
Performance: 1970–20131
Average Annual Return: 9.1%
Best Year: 27.0%
Worst Year: –12.5%
Consider this if:

    You are age 70–79
    You want current income and stability
    You want some opportunity to increase the value of your investments

Conservative

                    30%
                    50%
                    20%

                    Cash Investments
                    Fixed Income
                    Stock
                    15% U.S.
                    
                    
                    5% International

Performance: 1970–20131
Average Annual Return: 7.9%
Best Year: 22.8%
Worst Year: –4.6%
Consider this if:

    You are age 80+
    You want current income and stability
    You're not concerned about increasing the value of your investments

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Get more familiar with your retirement income choices, including the many different types of fixed income and stock offerings that can power your retirement portfolio—from bonds to CDs to mutual funds and more.

Need a retirement income plan?

A Schwab Financial Consultant can help. Learn more about our modern approach to wealth management.

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Past performance is no guarantee of future results. Example is for illustrative purposes only.

1. Sample Allocation Portfolios
Source: Schwab Center for Financial Research with data provided by Morningstar, Inc. The return figures are the average, the maximum, and the minimum annual returns of hypothetical asset allocation plans. The asset allocation plans are weighted averages of the performance of the indices used to represent each asset class in the plans and are rebalanced annually. The Conservative allocation is composed of 20% stocks (15% large-cap stocks, 5% international stocks), 50% bonds, and 30% cash. The Moderately Conservative allocation is composed of 40% stocks (25% large-cap stocks, 5% small-cap stocks, 10% international stocks), 50% bonds, and 10% cash. The Moderate allocation is composed of 60% stocks (35% large-cap stocks, 10% small-cap stocks, 15% international stocks), 35% bonds, and 5% cash. The indices representing each asset class in the asset allocation plan are S&P 500® Index (large-cap stocks); Russell 2000® Index (small-cap stocks); MSCI EAFE® net of taxes (international stocks); Barclays U.S. Aggregate Bond Index (bonds); and Citigroup U.S. 3-month Treasury bills (cash).

CRSP 6-8 was used for small-cap stocks prior to 1979, Ibbotson Intermediate-Term U.S. Government Bond Index was used for bonds prior to 1976, and Ibbotson U.S. 30-day Treasury bills was used prior to 1978. Results assume reinvestment of dividends and interest. Indices are unmanaged, do not incur fees or expenses and cannot be invested directly. Past performance is no indication of future results. For more information on the methodology for the long-term return estimate calculations, see Market Insight article “Q&A: Estimating Long-Term Market Returns.”

2. The consultation is available only to clients with at least $25,000 in assets at Schwab or prospects with at least $25,000 in assets available to bring to Schwab. Individualized recommendations are available only to Schwab clients and are limited to assets held in a Schwab retail brokerage account. Information provided to prospects, or pertaining to assets held outside of Schwab, as part of the consultation are examples of the kinds of recommendations available on assets held at Schwab; these examples do not constitute recommendations, solicitations, or investment advice.

The information here is for general informational purposes only and should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned here may not be suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decision.

Examples provided are for illustrative purposes only and are not intended to be reflective of results you can expect to achieve.

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•Are not deposits
•Are not FDIC-insured
•Are not insured by any federal government agency
•Are not guaranteed by the bank or affiliates of the bank
•May lose value

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