Skip to main content
Created: March 25, 2024
Modified: May 14, 2024

What are the 123’s of Building a Successful Retirement Portfolio?

Have your question answered on the Money Wisdom Question Series!

You are all in luck today; It’s our 123rd episode of the Money Wisdom Question Series! What we’re going to be talking about is just that – the 1, 2, 3 critical components of building a successful retirement portfolio.

Number 1: Growth-Oriented Assets

The first component of a successful retirement portfolio are those growth-oriented assets, or market-based assets, that are going up and down in value every day. These are your stocks, bonds, mutual funds, anything where risk lives.

We all know that it’s a game of risk and reward. Those vehicles, while they might be going up and down every day, what are they going to be worth 10 to 20 years from now? So, time horizon is important when determining how much of your portfolio should be in those growth-oriented assets.

Number 2: Income-Generating Assets

We need income. The biggest difference between working and not working is… a paycheck! Just because your paycheck stops, your bills don’t. So, we’re always structuring pieces of the portfolio to replace that paycheck and replace that income.

These are things like Social Security, pensions, maybe you have real estate, or maybe you’re identifying some of those market-based investments that you have. But the specific objective there is taking distributions. So, whether it’s dividends or interest-bearing accounts, again, the second step is to make sure you’ve got income.

Number 3: Safe & Secure Vehicles

The third successful piece of a retirement portfolio that you need is a safety net. We have already gone over those growth-oriented assets, things that are going up and down every day, and those income-generating assets.

To be comfortable with the risk that lives in those worlds, you need a safety net under all of it. What happens in a world in which the market is falling in value, and you still need to get your hands on money? The last thing you ever want is to be forced to take money out of accounts that are falling in value at the same time.

We’re building a layer of safe, secure, and insured guaranteed vehicles within our clients’ accounts. That way, if the market is falling in value, that piece of the portfolio isn’t. And again, if you need to get your hands on money, that’s where we’re going if those other accounts are falling in value at the same time.

Information presented in our podcasts is considered current as of the created date. Over time, some information presented may become stale. We recommend you consult with your Financial Professional before making any changes based on information contained here.

Johnson Brunetti is a marketing name for the businesses of JB Capital and JN Financial.

Investment Advisory Services offered through JB Capital, LLC. Insurance Products offered through JN Financial, LLC.
The guarantees provided by any type of insurance contract are based on the claims-paying ability of the insurance company.

Resources by Topic

Subscribe to Our YouTube Channel

Share

Related Resources

  • Case Study: What Should My Investment Portfolio Include?

    As you approach retirement, your investment strategy must shift from aggressive growth to a focus on income generation, asset preservation, and moderate growth to outpace inflation. Consider th…
  • Podcast 407: Is My Social Security Income Taxable?

    Prefer to watch? Click here to watch and listen on YouTube. A common misconception about Social Security is that whether your benefits are taxed depends on the state you live in. While state ta…
  • How Can I Protect My Retirement Savings from Market Volatility?

    We’ve been receiving a lot of questions lately about how to best protect your retirement savings against stock market volatility. It’s easy to let recent fluctuations in the market shake your conf…
  • Avoiding the Retirement Tax Trap

    Once you retire, understanding your tax implications becomes even more crucial. After all, taxes don’t disappear in retirement. In fact, as you begin withdrawing from your retirement savings, you …
  • Podcast Episode 406: How to Plan for a 30-Year Retirement

    Prefer to watch? Click here to watch and listen on YouTube. The retirement landscape has changed dramatically. Today’s retirees bear much more of the responsibility for securing their financial…
  • Podcast Episode 405: The Retirement Tax Trap

    Prefer to watch? Click here to watch and listen on YouTube. The term “tax trap” comes from the misconception that you’ll need less income in retirement, so you’ll pay lower taxes. This leads ma…
  • What Should I Watch Out for When Reviewing My Retirement Tax Return?

    Now that tax season is over and your return is filed, you may be wondering what you need to review in preparation for next year, especially if you’re approaching retirement. In this week’s Mone…
  • Retiring In Uncertain Times

    During times of economic uncertainty, it’s natural to feel overwhelmed. It seems like every day there’s a new update from the markets. But rather than reacting to the noise, focus on why you have …
  • How Do Tariffs Affect the Stock Market?

    If you’ve been tuned into the news lately, you’ve probably heard a lot about tariffs. The current administration’s latest economic push has introduced a wave of uncertainty in the market. But what…
  • How Do I Get Out of Debt Fast?

    Most people with debt want to get out of it quickly and efficiently. To do that, you first need a clear understanding of your financial situation. Second, you need a clear, actionable plan. In …
    Back to top
    Our Locations
    Johnson Brunetti
    Welcome to Our New Website!
    Everything was designed with you in mind, making our retirement planning resources more easily accessible to you.
    Check out your new resource center, where everything can be organized by article type or topic
    Are you ready to speak with a financial advisor?
    Skip to content