Financial goals and the buckets of investing
9 months ago

Financial goals and the buckets of investing

Live Mint  

Investing cannot be ‘one strategy fits all approach’. Three common buckets are based on financial objectives that address short-term savings, medium-term goals, and long-term retirement investments. Benefits of the bucket strategy: Goal-oriented approach: By allocating investments to specific buckets, investors can align their portfolios with their financial objectives. Risk management: Segmenting investments into buckets based on risk tolerance allows investors to manage risk effectively. By knowing that short-term needs are well-catered for in the short-term savings bucket, investors can ride out market downturns with confidence, rather than making impulsive investment decisions based on short-term market fluctuations.

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Retiring soon? A three-bucket strategy may be just the ticket for your bucket list.
1 month, 1 week ago

Retiring soon? A three-bucket strategy may be just the ticket for your bucket list.

Live Mint  

Retirees or those close to retirement face the challenge of managing their savings throughout their lifetime. Here, a well-thought-out bucket strategy—segmenting retirement savings into multiple buckets designed for specific time periods and risk levels—can provide growth potential and stability during retirement. With short-term needs covered by the first bucket, retirees gain peace of mind knowing they have funds set aside …

Financial Planning: How do you diversify a fixed income portfolio into different buckets?
2 years, 2 months ago

Financial Planning: How do you diversify a fixed income portfolio into different buckets?

Live Mint  

Fixed income instruments play an important role in one's personal finance. Liquidity bucket for emergencies Core fixed income bucket for goal planning, tax savings, better tax efficient returns and to provide stability to the overall portfolio. A better strategy would be to invest up to 3 months of emergency funds in a fixed deposit and the balance in conservative hybrid …

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