Cash vs Bonds in Retirement

With cash paying higher yields than most bonds, retirees have started to ask if they should get rid of bonds. Here's one such email:

Since bond funds (BND) have done nothing the last ten years, what would be your thoughts on someone (retired) setting 3 years worth of living expenses aside (cash, CD’S, MM, etc.) and investing the remainder in equity index funds."

In this video I'll explain why bonds are a better, long-term investment than cash, particularly for those in retirement.

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Video Resources
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BND: https://www.morningstar.com/etfs/xnas/bnd/quote
Best Savings Accounts: https://www.allcards.com/best-savings-account-rates/
U.S. Gov't Bond Yields: https://home.treasury.gov/resource-center/data-chart-center/interest-rates/TextView?type=daily_treasury_yield_curve&field_tdr_date_value_month=202305
Real Yields: https://home.treasury.gov/resource-center/data-chart-center/interest-rates/TextView?type=daily_treasury_real_yield_curve&field_tdr_date_value_month=202305

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Investing Tools
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My Book (Retire Before Mom and Dad): https://amzn.to/2MsRJ9B
Personal Capital (Investment Tracking, Retirement Planning): https://go.robberger.com/personal-capital/yt-def
New Retirement (Retirement Planner): https://go.robberger.com/new-retirement/yt-def
Stock Rover: https://go.robberger.com/stock-rover/yt-def
M1 Finance $30 Bonus (IRA & Taxable Accounts): https://go.robberger.com/m1finance-bonus/yt-def

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Credit Cards & Banks
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My Favorite Credit Cards: https://www.allcards.com/best-credit-card-offers/?utm_source=YouTube&utm_medium=Video+Links&utm_campaign=Boilerplate
My Favorite Online Banks: https://www.allcards.com/best-online-banks/?utm_source=YouTube&utm_medium=Video+Links&utm_campaign=Boilerplate

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Popular Videos
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1️⃣ How to Create a 3-Fund Portfolio: https://www.youtube.com/watch?v=kmw8OpGp2rM
2️⃣ How I Manage 28 Accounts in One App: https://www.youtube.com/watch?v=cQk6EQk3iGg
3️⃣ 7-Step Financial Checkup: https://www.youtube.com/watch?v=mNWGWxKzKTY

#cash #bonds #robberger

ABOUT ME

While still working as a trial attorney in the securities field, I started writing about personal finance and investing In 2007. In 2013 I started the Doughroller Money Podcast, which has been downloaded millions of times. Today I'm the Deputy Editor of Forbes Advisor, managing a growing team of editors and writers that produce content to help readers make the most of their money.

I'm also the author of Retire Before Mom and Dad--The Simple Numbers Behind a Lifetime of Financial Freedom (https://amzn.to/3by10EE)

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DISCLAIMER: I am not a financial adviser. These videos are for educational purposes only. Investing of any kind involves risk. Your investment and other financial decisions are solely your responsibility. It is imperative that you conduct your own research and seek professional advice as necessary. I am merely sharing my opinions.

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Видео Cash vs Bonds in Retirement канала Rob Berger