Good Retirement Planning Requires Knowing The Risks, Pros and Cons of Your Strategy

Kiker argues retirees need individualized, actively risk-managed portfolios rather than passive index strategies given historical multi-decade drawdown risk.

• Hypothetical case study: "J.J. Doe," needing $90k/year at 65 with conservative CD/treasury holdings, was shown a 60% success probability trending toward failure around age 87-88 if kept fully passive.
• Recommended allocation: Moderate growth mix of 70% equities/30% fixed income, plus a minimum 10% in physical metals (80% gold/20% silver) as inflation/deflation insurance, and a 1-3 year treasury ladder for income.

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