In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss one of the biggest sources of investment risk hiding in plain sight for people nearing retirement: a portfolio that has grown large thanks to a handful of Magnificent 7 stocks, and what that means once a paycheck is no longer coming in. They walk through a real conversation with a new client whose accounts had grown substantially through stocks like Nvidia stock, Tesla, and Amazon, and why the retirement investment strategy that builds wealth is not the same one that should carry you through spending it. If you've ever wondered whether your risky investments have quietly become too large a piece of your retirement portfolio, this episode breaks down how to think it through without giving up the gains you've earned.

Listen in to learn about the numbers behind the Magnificent 7 run-up and the very real stock market risk that comes with it, including the 2022 pullback most investors have already forgotten. Radon and Murs unpack sequence of returns risk, why retirement risk management looks completely different once withdrawals begin, and how their three bucket strategy is built to protect retirement savings while still allowing room for growth. Whether you're actively planning retirement, working through a retirement checklist, or simply thinking about how to retire comfortably without one bad year undoing decades of work, this conversation lays out a retirement income strategy built for exactly that moment.

In this episode, find out:

• Why the Magnificent 7 stocks grew so dramatically since 2020, and the specific 2022 declines (Tesla, Meta, Nvidia, Amazon, Alphabet, and Microsoft) that most investors have already forgotten about
• The math behind why a 50% loss requires a 100% gain just to break even, and why that matters so much more once you're living off your retirement portfolio
• How the accumulation phase and the retirement phase call for two completely different approaches to risk, and why what worked to build your wealth can work against you once you retire
• A breakdown of the three bucket strategy, including how the cash, growth, and safety and income buckets work together for real retirement portfolio diversification
• Why you don't have to sell your winning stocks to build a secure retirement financial plan, and how to keep a piece of the growth you're proud of while protecting the rest

Tweetable Quotes:

• "What gets you up the mountain won't get you down. It's a different type of physicality that we need to be able to deal with." — Radon Stancil
• "There's ways to invest when you're growing your assets, and then there's ways to invest when you're trying to have your assets generate and preserve them." — Murs Tariq

Resources:

If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!

To access the course, simply visit POMWealth.net/podcast.