Make the most of your retirement with 99 tips designed to help you improve your finances and lifestyle. Investors with $1 million ... Facebook 99RetirementTips 4 23 | PDF | Cost Of Living | Investing - Scribd The document provides 99 tips for retirement planning. It discusses the importance of saving money and letting it grow, maximizing... Scribd Fisher Investments' Post - 99 Retirement Tips - LinkedIn 20 Jul 2021 —
Note: Fisher Investments often provides this content for educational marketing. Always consult a financial advisor for personal situations.
Core Philosophy Behind the 99 Tips
Stocks outperform bonds and cash over long periods (decades). Markets are efficient – don’t try to time them. Fear and greed are your biggest enemies . Focus on what you can control : savings rate, asset allocation, fees, behavior. fisher investments 99 retirement tips
Selected Top Tips (Grouped by Theme) On Saving & Planning
Start early – compounding is powerful, even with small amounts. Save at least 10–15% of gross income for retirement. Don’t underestimate longevity – plan for 90+ years. Estimate retirement expenses realistically – many spend more than expected in early retirement. Include healthcare costs – they often rise faster than inflation.
On Investing & Asset Allocation
Don’t go 100% cash or bonds in retirement – you need growth to outpace inflation. Maintain a globally diversified portfolio – don’t bet on one country or sector. Rebalance periodically – but not too often (once or twice a year is fine). Don’t confuse a high-yield bond with safety – they can act like stocks in downturns. Avoid “home country bias” – US investors often overweigh US stocks.
On Avoiding Mistakes
Don’t sell after a crash – that locks in losses. Markets recover. Don’t chase past performance – last year’s winners often become losers. Avoid market timing – missing the 10 best days in a decade destroys returns. Don’t take advice from family/friends – their risk tolerance is not yours. Ignore “noise” – daily news headlines rarely matter for long-term returns. Make the most of your retirement with 99
On Withdrawals & Spending
Follow a sustainable withdrawal rate – historically ~4% of initial portfolio, adjusted for inflation. Be flexible – spend less in down markets, more in up markets. Withdraw proportionally – from all asset classes, not just one. Delay Social Security if possible – each year past FRA increases benefits ~8%. Consider Roth conversions in low-income years before RMDs start.