[{"data":1,"prerenderedAt":1306},["ShallowReactive",2],{"config-published":3,"i-ph:caret-down-bold":732,"i-ph:magnifying-glass":735,"i-ph:list":737,"i-ph:instagram-logo":739,"i-ph:youtube-logo":741,"i-ph:x-logo":743,"i-ph:facebook-logo":745,"i-ph:linkedin-logo":747,"discover/retirement/what-are-my-investment-options-in-retirement-published":749,"i-uil:list-ul":1294,"breadcrumbs-/discover/retirement/what-are-my-investment-options-in-retirement":1297,"i-ph:caret-right":1304},{"name":4,"created_at":5,"published_at":6,"updated_at":7,"id":8,"uuid":9,"content":10,"slug":724,"full_slug":724,"sort_by_date":34,"position":725,"tag_list":726,"is_startpage":543,"parent_id":727,"meta_data":34,"group_id":728,"first_published_at":729,"release_id":34,"lang":730,"path":34,"alternates":731,"default_full_slug":34,"translated_slugs":34},"App configuration","2022-11-24T11:24:28.448Z","2026-01-07T10:07:40.657Z","2026-01-07T10:07:40.684Z",224651377,"a6261810-1b4d-4071-a43d-805ea558bf15",{"_uid":11,"href":12,"text":12,"component":13,"advisorCTA":14,"headerMenu":41,"footerLinks":538,"loginLinkUrl":559,"advisorCTAUrl":560,"loginLinkText":12,"proHeaderMenu":561,"FooterRichText":643,"advisorCTALink":28,"advisorCTAText":644,"openInNewWindow":543,"footerLegalLinks":645,"geoWarningCTAUrl":666,"footerDisclaimer1":12,"footerDisclaimer2":667,"footerDisclaimer3":12,"footerSocialLinks":668,"geoWarningCTALink":689,"geoWarningCTAText":690,"FooterStickyBanner":691,"geoWarningCTAClose":692,"geoWarningCTATitle":693,"SpeakToAdvisorWidget":694,"newsletterSignupWidget":704},"cb57aa4d-0af2-49b3-8b8f-16521700f0a8","","app-configuration",{"type":15,"content":16},"doc",[17],{"type":18,"content":19},"paragraph",[20,27],{"text":21,"type":22,"marks":23},"Are you an adviser? ","text",[24],{"type":25,"attrs":26},"styled",{"class":12},{"text":28,"type":22,"marks":29},"Go to Unbiased Pro",[30,37,39],{"type":31,"attrs":32},"link",{"href":33,"uuid":34,"anchor":34,"target":35,"linktype":36},"https://www.unbiased.com/pro",null,"_self","url",{"type":38},"bold",{"type":25,"attrs":40},{"class":12},[42,148,269,368,440],{"CTA":43,"_uid":57,"title":58,"component":59,"overview_link":60,"main_section_links":75,"main_section_title":132,"additional_section_links":133,"additional_section_title":147},[44],{"_uid":45,"link":46,"component":56},"2298396f-4a40-4282-b5ef-f30a3b9619b8",{"type":15,"content":47},[48],{"type":18,"content":49},[50],{"text":51,"type":22,"marks":52},"Find an advisor",[53],{"type":31,"attrs":54},{"href":55,"uuid":34,"anchor":34,"target":35,"linktype":36},"https://v2.unbiased.com/inquiry/financial-advisor","app-link-rich","6ee9fa7a-ee9d-4a0d-b913-99f9ee1b6e05","Financial Advice","app-header-menu-item-dropdown",[61],{"_uid":62,"link":63,"component":56},"91b4e023-f3d0-49ba-9748-f63e5fac2b1f",{"type":15,"content":64},[65],{"type":18,"content":66},[67],{"text":68,"type":22,"marks":69},"All financial advice guides",[70],{"type":31,"attrs":71},{"href":72,"uuid":73,"anchor":34,"target":35,"linktype":74},"/discover/financial-advice/","34bbfdfd-544e-42d2-aebd-78a15ad88cba","story",[76,89,102,115],{"_uid":77,"link":78,"component":56},"9f8d25a8-d93c-4d4a-a4c0-a63e37483485",{"type":15,"content":79},[80],{"type":18,"content":81},[82],{"text":83,"type":22,"marks":84},"Top investment companies",[85],{"type":31,"attrs":86},{"href":87,"uuid":88,"anchor":34,"target":35,"linktype":74},"/discover/financial-advice/top-investment-companies","3b175b31-cbbf-48ec-8faa-9cfd540973df",{"_uid":90,"link":91,"component":56},"85fbb733-400d-421b-afaf-5d85ae69bb31",{"type":15,"content":92},[93],{"type":18,"content":94},[95],{"text":96,"type":22,"marks":97},"Top Robo-Advisors",[98],{"type":31,"attrs":99},{"href":100,"uuid":101,"anchor":34,"target":35,"linktype":74},"/discover/financial-advice/best-robo-advisors","f73492c0-bcc0-4243-a4de-cc85fca28178",{"_uid":103,"link":104,"component":56},"9bfc68dd-ea47-48cf-a9ae-58589bbba599",{"type":15,"content":105},[106],{"type":18,"content":107},[108],{"text":109,"type":22,"marks":110},"Top financial advisor firms",[111],{"type":31,"attrs":112},{"href":113,"uuid":114,"anchor":34,"target":35,"linktype":74},"/discover/financial-advice/best-financial-advisor","cd1dd08f-886e-453d-babc-4a707c50b530",{"_uid":116,"link":117,"component":56},"dea791c8-aa54-4a1b-8ac8-a7de2006036b",{"type":15,"content":118},[119],{"type":18,"content":120},[121],{"text":122,"type":22,"marks":123},"Top wealth management firms",[124,128],{"type":31,"attrs":125},{"href":126,"uuid":127,"anchor":34,"target":35,"linktype":74},"/discover/financial-advice/top-wealth-management-firms","b1e6000d-ed2b-4fc8-bbb2-7e803f4b512f",{"type":129,"attrs":130},"textStyle",{"color":131},"rgb(0, 0, 0)","Get help with",[134],{"_uid":135,"link":136,"component":56},"f234c95d-2ad5-4cb6-9484-4c4b31413c2f",{"type":15,"content":137},[138],{"type":18,"content":139},[140],{"text":141,"type":22,"marks":142},"Financial advisors near me",[143],{"type":31,"attrs":144},{"href":145,"uuid":146,"anchor":34,"target":35,"linktype":74},"/discover/financial-advice/find-a-financial-advisor-near-me","ecbad03f-43f9-48db-af9c-1e63b145b2d9","More resources",{"CTA":149,"_uid":160,"title":161,"component":59,"overview_link":162,"main_section_links":176,"main_section_title":132,"additional_section_links":229,"additional_section_title":147},[150],{"_uid":151,"link":152,"component":56},"8e607e09-445b-4f4c-9615-e8d266f35612",{"type":15,"content":153},[154],{"type":18,"content":155},[156],{"text":51,"type":22,"marks":157},[158],{"type":31,"attrs":159},{"href":55,"uuid":34,"anchor":34,"target":35,"linktype":36},"85c0c112-23fe-46b2-ae32-196f05710318","Retirement",[163],{"_uid":164,"link":165,"component":56},"bbf6b9e2-609e-4a82-ab5d-5ad9d07bd1a1",{"type":15,"content":166},[167],{"type":18,"content":168},[169],{"text":170,"type":22,"marks":171},"All retirement guides",[172],{"type":31,"attrs":173},{"href":174,"uuid":175,"anchor":34,"target":35,"linktype":74},"/discover/retirement/","0580c990-ee0a-4287-ac8d-d2e4689a1051",[177,190,203,216],{"_uid":178,"link":179,"component":56},"28f1d44a-d98d-4b93-9a4f-3893950dbcc0",{"type":15,"content":180},[181],{"type":18,"content":182},[183],{"text":184,"type":22,"marks":185},"Retiring on $300K",[186],{"type":31,"attrs":187},{"href":188,"uuid":189,"anchor":34,"target":35,"linktype":74},"/discover/retirement/can-you-retire-on-300k","73defa57-75a4-4cf8-8cf7-15ba93619e2c",{"_uid":191,"link":192,"component":56},"9872bd56-d9cb-4b13-88e5-a336f0246043",{"type":15,"content":193},[194],{"type":18,"content":195},[196],{"text":197,"type":22,"marks":198},"Retiring on $500K",[199],{"type":31,"attrs":200},{"href":201,"uuid":202,"anchor":34,"target":35,"linktype":74},"/discover/retirement/can-you-retire-on-500k","33db366d-aae1-49e7-afdd-62751a0fbd10",{"_uid":204,"link":205,"component":56},"48b2cd52-8bf8-4fe3-9a91-835a353cacbb",{"type":15,"content":206},[207],{"type":18,"content":208},[209],{"text":210,"type":22,"marks":211},"Retiring on $800K",[212],{"type":31,"attrs":213},{"href":214,"uuid":215,"anchor":34,"target":35,"linktype":74},"/discover/retirement/retiring-with-800k","42a16b7d-6141-4422-8909-87718b57d06d",{"_uid":217,"link":218,"component":56},"68aa3dbb-59d2-4dec-ab2c-8a74355de45d",{"type":15,"content":219},[220],{"type":18,"content":221},[222],{"text":223,"type":22,"marks":224},"Retiring on $1 million",[225],{"type":31,"attrs":226},{"href":227,"uuid":228,"anchor":34,"target":35,"linktype":74},"/discover/retirement/can-you-retire-on-1-million","4a022cdb-ad83-4b88-ab6a-87b8e39f482e",[230,243,256],{"_uid":231,"link":232,"component":56},"544b38e5-ba7a-4b9d-b8e0-86a11eae4381",{"type":15,"content":233},[234],{"type":18,"content":235},[236],{"text":237,"type":22,"marks":238},"Retirement calculator",[239],{"type":31,"attrs":240},{"href":241,"uuid":242,"anchor":34,"target":35,"linktype":74},"/discover/retirement/retirement-calculator","e750018f-e90c-4df6-b63a-97268dfdf93c",{"_uid":244,"link":245,"component":56},"20fc13a0-0418-4af1-a0c2-2c647dbbc39e",{"type":15,"content":246},[247],{"type":18,"content":248},[249],{"text":250,"type":22,"marks":251},"Roth IRA calculator",[252],{"type":31,"attrs":253},{"href":254,"uuid":255,"anchor":34,"target":35,"linktype":74},"/discover/retirement/roth-ira-calculator","58116e58-282b-41cd-8932-b47bebec7568",{"_uid":257,"link":258,"component":56},"5c17edab-55c5-4b48-bddd-7779f22984ec",{"type":15,"content":259},[260],{"type":18,"content":261},[262],{"text":263,"type":22,"marks":264},"What is a 401k",[265],{"type":31,"attrs":266},{"href":267,"uuid":268,"anchor":34,"target":35,"linktype":74},"/discover/investing/what-is-a-401k-and-how-does-it-work","342bd874-c9e1-426c-bba7-116d1f9665dc",{"CTA":270,"_uid":281,"title":282,"component":59,"overview_link":283,"main_section_links":297,"main_section_title":132,"additional_section_links":354,"additional_section_title":147},[271],{"_uid":272,"link":273,"component":56},"aada5723-1aa7-40fc-a2e8-a555f6d924cc",{"type":15,"content":274},[275],{"type":18,"content":276},[277],{"text":51,"type":22,"marks":278},[279],{"type":31,"attrs":280},{"href":55,"uuid":34,"anchor":34,"target":35,"linktype":36},"495763d1-ee75-4112-9ef6-5765d8c6a6be","Investing",[284],{"_uid":285,"link":286,"component":56},"66d9a1fe-709f-46f9-9731-2f59ebccb2cc",{"type":15,"content":287},[288],{"type":18,"content":289},[290],{"text":291,"type":22,"marks":292},"All investing guides",[293],{"type":31,"attrs":294},{"href":295,"uuid":296,"anchor":34,"target":35,"linktype":74},"/discover/investing/","740d32ec-309a-43d6-902e-cb1e62bd0fe8",[298,312,326,340],{"_uid":299,"link":300,"component":56},"f2050b75-554a-4add-a9e6-8bfa544307d6",{"type":15,"content":301},[302],{"type":18,"attrs":303,"content":304},{"textAlign":34},[305],{"text":306,"type":22,"marks":307},"The best way to invest $20k",[308],{"type":31,"attrs":309},{"href":310,"uuid":311,"anchor":34,"target":35,"linktype":74},"/discover/investing/best-way-to-invest-20k","d39e5bf4-d7b4-426a-a6f2-b871031e724e",{"_uid":313,"link":314,"component":56},"2fc43030-f262-4a71-99c2-39167ce30cce",{"type":15,"content":315},[316],{"type":18,"attrs":317,"content":318},{"textAlign":34},[319],{"text":320,"type":22,"marks":321},"The best way to invest $50k",[322],{"type":31,"attrs":323},{"href":324,"uuid":325,"anchor":34,"target":35,"linktype":74},"/discover/investing/the-best-way-to-invest-50k","abac014e-4ec8-42ae-94a0-64cfdff686d5",{"_uid":327,"link":328,"component":56},"8df420ce-d8dd-4a7a-8947-50fa74ecf8e6",{"type":15,"content":329},[330],{"type":18,"attrs":331,"content":332},{"textAlign":34},[333],{"text":334,"type":22,"marks":335},"The best way to invest $100k",[336],{"type":31,"attrs":337},{"href":338,"uuid":339,"anchor":34,"target":35,"linktype":74},"/discover/investing/the-best-way-to-invest-100k","2c6b4fe9-770f-409a-93cd-791df4eb9318",{"_uid":341,"link":342,"component":56},"fed4141f-0a48-4752-9e11-7253956a4418",{"type":15,"content":343},[344],{"type":18,"attrs":345,"content":346},{"textAlign":34},[347],{"text":348,"type":22,"marks":349},"Investments that pay a monthly income",[350],{"type":31,"attrs":351},{"href":352,"uuid":353,"anchor":34,"target":35,"linktype":74},"/discover/investing/12-investments-that-pay-monthly-income","0898e500-1457-4990-be41-57a3c68d3e9f",[355],{"_uid":356,"link":357,"component":56},"ace14b44-4a28-432f-bf49-e7bd63d0bf4d",{"type":15,"content":358},[359],{"type":18,"content":360},[361],{"text":362,"type":22,"marks":363},"Compound interest calculator",[364],{"type":31,"attrs":365},{"href":366,"uuid":367,"anchor":34,"target":35,"linktype":74},"/discover/investing/compound-interest-calculator","18ece990-d9e2-4dad-8816-fdd320af3dc0",{"CTA":369,"_uid":380,"title":381,"component":59,"overview_link":382,"main_section_links":396,"main_section_title":132,"additional_section_links":439,"additional_section_title":147},[370],{"_uid":371,"link":372,"component":56},"be29d26a-051b-4ce8-984b-36035ef7a503",{"type":15,"content":373},[374],{"type":18,"content":375},[376],{"text":51,"type":22,"marks":377},[378],{"type":31,"attrs":379},{"href":55,"uuid":34,"anchor":34,"target":35,"linktype":36},"b04c8a90-f17c-40ea-a4d5-554e8c69aa14","Banking",[383],{"_uid":384,"link":385,"component":56},"482cacd4-2995-4939-8c56-c9a74ea0236b",{"type":15,"content":386},[387],{"type":18,"content":388},[389],{"text":390,"type":22,"marks":391},"All banking guides",[392],{"type":31,"attrs":393},{"href":394,"uuid":395,"anchor":34,"target":35,"linktype":74},"/discover/banking/","d8de9283-4031-440b-be2f-01ac9349324e",[397,411,425],{"_uid":398,"link":399,"component":56},"0b07ede1-5220-4d9e-9f85-c474d743a260",{"type":15,"content":400},[401],{"type":18,"attrs":402,"content":403},{"textAlign":34},[404],{"text":405,"type":22,"marks":406},"What is private banking",[407],{"type":31,"attrs":408},{"href":409,"uuid":410,"anchor":34,"target":35,"linktype":74},"/discover/banking/what-is-private-banking","b1c04c35-0a8a-4af5-ace1-672aa41f133d",{"_uid":412,"link":413,"component":56},"caa1ee0a-c417-4cfb-b3d3-025466ab1b98",{"type":15,"content":414},[415],{"type":18,"attrs":416,"content":417},{"textAlign":34},[418],{"text":419,"type":22,"marks":420},"US income breakdown",[421],{"type":31,"attrs":422},{"href":423,"uuid":424,"anchor":34,"target":35,"linktype":74},"/discover/banking/how-much-income-puts-you-in-the-top-1-5-or-10","ddda3782-1859-49a4-82ed-935303e2bec6",{"_uid":426,"link":427,"component":56},"6a0937f3-2014-431f-a77c-95e748072003",{"type":15,"content":428},[429],{"type":18,"attrs":430,"content":431},{"textAlign":34},[432],{"text":433,"type":22,"marks":434},"Cost of living in Florida",[435],{"type":31,"attrs":436},{"href":437,"uuid":438,"anchor":34,"target":35,"linktype":74},"/discover/banking/what-is-the-cost-of-living-in-florida","9c970b27-4644-43af-834f-eba5f1ae136a",[],{"CTA":441,"_uid":452,"title":453,"component":59,"overview_link":454,"main_section_links":468,"main_section_title":132,"additional_section_links":525,"additional_section_title":147},[442],{"_uid":443,"link":444,"component":56},"f2cea9b3-b01d-4bbf-b18b-52a0737eaf3c",{"type":15,"content":445},[446],{"type":18,"content":447},[448],{"text":51,"type":22,"marks":449},[450],{"type":31,"attrs":451},{"href":55,"uuid":34,"anchor":34,"target":35,"linktype":36},"a5e4b27e-1713-42d5-9597-6882a94968c0","Taxes",[455],{"_uid":456,"link":457,"component":56},"40d47d8f-3a14-4596-9d64-337daeb3fbf5",{"type":15,"content":458},[459],{"type":18,"content":460},[461],{"text":462,"type":22,"marks":463},"All tax guides",[464],{"type":31,"attrs":465},{"href":466,"uuid":467,"anchor":34,"target":35,"linktype":74},"/discover/taxes/","cff941f3-03a9-464a-b168-0d9b1eef9ce4",[469,483,497,511],{"_uid":470,"link":471,"component":56},"e366294b-be7d-47bb-b127-25b39aab3467",{"type":15,"content":472},[473],{"type":18,"attrs":474,"content":475},{"textAlign":34},[476],{"text":477,"type":22,"marks":478},"Capital gains tax for seniors",[479],{"type":31,"attrs":480},{"href":481,"uuid":482,"anchor":34,"target":35,"linktype":74},"/discover/taxes/capital-gains-tax-exemption-for-seniors-what-does-it-mean-for-you","62ae1223-58e7-4fe8-9081-2a9d047cfb84",{"_uid":484,"link":485,"component":56},"336d1192-6b9d-4a98-8922-1877072f3003",{"type":15,"content":486},[487],{"type":18,"attrs":488,"content":489},{"textAlign":34},[490],{"text":491,"type":22,"marks":492},"Capital gains tax by state",[493],{"type":31,"attrs":494},{"href":495,"uuid":496,"anchor":34,"target":35,"linktype":74},"/discover/taxes/capital-gains-tax-by-state","94d6ce4a-1ba6-444f-a41d-4ae541b99b79",{"_uid":498,"link":499,"component":56},"7450de66-1ff3-447c-b191-1f75166a6046",{"type":15,"content":500},[501],{"type":18,"attrs":502,"content":503},{"textAlign":34},[504],{"text":505,"type":22,"marks":506},"Understanding capital gains tax",[507],{"type":31,"attrs":508},{"href":509,"uuid":510,"anchor":34,"target":35,"linktype":74},"/discover/retirement/how-much-is-capital-gains-tax","8442c69d-4c88-4d2e-8fa4-08275191bab0",{"_uid":512,"link":513,"component":56},"8050ded3-889f-43b0-92b3-30adad9ac076",{"type":15,"content":514},[515],{"type":18,"attrs":516,"content":517},{"textAlign":34},[518],{"text":519,"type":22,"marks":520},"Tax in Washington",[521],{"type":31,"attrs":522},{"href":523,"uuid":524,"anchor":34,"target":35,"linktype":74},"/discover/taxes/washington-tax-guide","2462451b-7f16-4364-8471-f78939478e7e",[526],{"_uid":527,"link":528,"component":56},"b11dcfe9-a823-4859-8965-d32bab7873e9",{"type":15,"content":529},[530],{"type":18,"content":531},[532],{"text":533,"type":22,"marks":534},"Capital Gains Tax Calculator",[535],{"type":31,"attrs":536},{"href":537,"uuid":34,"anchor":34,"target":35,"linktype":36},"https://www.unbiased.com/discover/taxes/capital-gains-tax-calculator",[539,544,546,548,550,554],{"_uid":540,"href":174,"text":541,"component":542,"openInNewWindow":543},"4654e725-33d3-4fa3-8917-b2a73f05752c"," Retirement","app-link",false,{"_uid":545,"href":295,"text":282,"component":542,"openInNewWindow":543},"3e1f2e86-310c-4ee1-be2b-c9100443d53f",{"_uid":547,"href":394,"text":381,"component":542,"openInNewWindow":543},"fa006314-3e85-43c3-9267-bb87f84a1ebc",{"_uid":549,"href":466,"text":453,"component":542,"openInNewWindow":543},"9d69eda3-6dcc-49fb-a519-f61cb97a40ff",{"_uid":551,"href":552,"text":553,"component":542,"openInNewWindow":543},"ecf272f5-571f-41aa-a069-75c81ec617e8","/discover/insurance/","Insurance",{"_uid":555,"href":556,"text":557,"component":542,"openInNewWindow":558},"0acdc588-18e3-4e41-872b-1d528d985164","/about-us","About us",true,"https://v2.unbiased.com/consumer/login","/pro",[562,575,589,603,617,630],{"_uid":563,"link":564,"component":56},"72cfe613-7b21-4cc0-acbf-66a38dab3eee",{"type":15,"content":565},[566],{"type":18,"content":567},[568],{"text":569,"type":22,"marks":570},"Pricing",[571],{"type":31,"attrs":572},{"href":573,"uuid":34,"anchor":34,"custom":574,"target":35,"linktype":36},"https://www.unbiased.com/pages/pricing",{},{"_uid":576,"link":577,"component":56},"cb14e1ca-f377-41ec-b053-b97ef2aeb42f",{"type":15,"content":578},[579],{"type":18,"content":580},[581],{"text":582,"type":22,"marks":583},"Business Growth",[584],{"type":31,"attrs":585},{"href":586,"uuid":587,"anchor":34,"custom":588,"target":35,"linktype":74},"/pro/discover/business-growth/","022b5ef6-975b-4f56-8d38-66f137e7901f",{},{"_uid":590,"link":591,"component":56},"6cdc93ad-5d74-4c39-9342-0ed49e309979",{"type":15,"content":592},[593],{"type":18,"content":594},[595],{"text":596,"type":22,"marks":597},"Trends & Insight",[598],{"type":31,"attrs":599},{"href":600,"uuid":601,"anchor":34,"custom":602,"target":35,"linktype":74},"/pro/discover/trends-insight/","4b364e23-68e6-4009-a852-83d5e327c796",{},{"_uid":604,"link":605,"component":56},"0404c041-e645-42fe-8932-be896a82902e",{"type":15,"content":606},[607],{"type":18,"content":608},[609],{"text":610,"type":22,"marks":611},"News",[612],{"type":31,"attrs":613},{"href":614,"uuid":615,"anchor":34,"custom":616,"target":35,"linktype":74},"/pro/discover/news/","829a2a75-d3fb-454c-a50c-c7f8212ea16b",{},{"_uid":618,"link":619,"component":56},"7f208f7d-d0f3-417c-8cc8-c135e72a8a74",{"type":15,"content":620},[621],{"type":18,"content":622},[623],{"text":624,"type":22,"marks":625},"Help",[626],{"type":31,"attrs":627},{"href":628,"uuid":34,"anchor":34,"custom":629,"target":35,"linktype":36},"https://www.unbiased.com/pages/pro/faqs",{},{"_uid":631,"link":632,"component":56},"f4ec7388-9b0f-42ef-96b0-38feb0f276e1",{"type":15,"content":633},[634],{"type":18,"content":635},[636],{"text":637,"type":22,"marks":638},"Login",[639],{"type":31,"attrs":640},{"href":641,"uuid":34,"anchor":34,"custom":642,"target":35,"linktype":36},"https://v2.unbiased.com/pro/login",{},[],"Are you an advisor?",[646,650,654,658,662],{"_uid":647,"href":648,"text":649,"component":542,"openInNewWindow":543},"5a4588d0-87e3-4ae5-963f-bd3ca35a1bf7","https://www.unbiased.com/faq","FAQ",{"_uid":651,"href":652,"text":653,"component":542,"openInNewWindow":543},"85a086a2-d420-43a6-a1e6-d8cfcc52a584","/terms-of-use","Terms of Use",{"_uid":655,"href":656,"text":657,"component":542,"openInNewWindow":543},"bd58e670-f5ff-4936-adbe-5aa73c990cdf","/privacy-policy","Privacy Policy",{"_uid":659,"href":660,"text":661,"component":542,"openInNewWindow":558},"eafa26a7-3b78-4f00-954e-f1ebc3115542","https://reports.adviserinfo.sec.gov/reports/ADV/323880/PDF/323880.pdf","Unbiased ADV",{"_uid":663,"href":664,"text":665,"component":542,"openInNewWindow":558},"2cbcf581-9d60-443b-9e63-9e95be09afad","https://reports.adviserinfo.sec.gov/crs/crs_323880.pdf","Unbiased CRS","https://www.unbiased.co.uk","Unbiased Inc. is a registered investment advisor with the US Securities and Exchange Commission (“SEC”). Registration as an investment advisor does not imply a certain level of skill or training.",[669,673,677,681,685],{"_uid":670,"href":671,"text":672,"component":542,"openInNewWindow":543},"2ca50944-e323-4559-9c46-b77eb4bce616","//www.instagram.com/unbiased.us/","Instagram",{"_uid":674,"href":675,"text":676,"component":542,"openInNewWindow":543},"278b2358-e4c6-491b-b011-425b4bd0b709","//www.youtube.com/@Unbiased","YouTube",{"_uid":678,"href":679,"text":680,"component":542,"openInNewWindow":543},"dccca61f-0426-4778-a54b-1944ab1ae71f","//twitter.com/Unbiased_us","Twitter",{"_uid":682,"href":683,"text":684,"component":542,"openInNewWindow":543},"6e6372d5-1f37-43fb-a849-8868877530c8","//www.facebook.com/unbiasedus","Facebook",{"_uid":686,"href":687,"text":688,"component":542,"openInNewWindow":558},"c3a97f2f-ee67-4516-9529-6aff38733af2","https://www.linkedin.com/showcase/unbiased.com/","LinkedIn","Go to UK site","It looks like you’re visiting from the UK. Would you like to visit our UK site?",[],"Stay on US site","You’re currently on our US site",[695],{"_uid":696,"heading":697,"cta_link":55,"cta_text":698,"component":699,"description":700,"pro_heading":701,"pro_cta_link":33,"pro_cta_text":702,"pro_description":703},"7404adca-dc5b-443e-a1b4-4c8bed2673b3","Financial advice","Match with an advisor","sidebar_cta","We’ll find a professional perfectly matched to your needs. Getting started is easy, fast and free.","Access high-quality leads in minutes with UnbiasedPro","Get perfect clients now.","If you're looking for the perfect clients we'll deliver them straight to your inbox and give you the tools to manage them throughout the sales process.",[705],{"_uid":706,"title":707,"CTAText":708,"subtitle":709,"component":710,"errorTitle":711,"description":712,"successTitle":713,"errorSubtitle":714,"successSubtitle":715,"consentCheckboxLabelText":716,"errorMesageFirstNameError":717,"consentCheckboxLabelLinkURL":656,"consentCheckboxLabelLinkText":718,"errorMessageRequiredFieldEmail":719,"errorMessageIncorrectEmailFormat":720,"errorMessageRequiredFieldConsent":721,"errorMessageRequiredFieldInterest":722,"errorMessageRequiredFieldFirstName":723},"8ca4fd8f-da99-489f-aa1b-fcfabdd8b7e3","Get the latest news and tips","Sign up for email updates","Sign up for news that may impact your finances","sidebar-email-signup","Sorry, there was a technical problem","Receive the latest news, tips and guides to help you manage your finances","Thanks for signing up!","Please try again later, or email contact@unbiased.com","You should receive an email confirmation shortly.","I consent to Unbiased storing my data in accordance with their","Too many characters","privacy policy","Your email address is required","Your email address contains errors","Your consent is required","Your interest is required","Your first name is required","config",-60,[],0,"c7c18fda-2d94-4a2f-9d60-e1fee25d980a","2022-11-21T10:48:58.546Z","default",[],{"left":727,"top":727,"width":733,"height":733,"rotate":727,"vFlip":543,"hFlip":543,"body":734},256,"\u003Cpath fill=\"currentColor\" d=\"m216.49 104.49l-80 80a12 12 0 0 1-17 0l-80-80a12 12 0 0 1 17-17L128 159l71.51-71.52a12 12 0 0 1 17 17Z\"/>",{"left":727,"top":727,"width":733,"height":733,"rotate":727,"vFlip":543,"hFlip":543,"body":736},"\u003Cpath fill=\"currentColor\" d=\"m229.66 218.34l-50.07-50.06a88.11 88.11 0 1 0-11.31 11.31l50.06 50.07a8 8 0 0 0 11.32-11.32M40 112a72 72 0 1 1 72 72a72.08 72.08 0 0 1-72-72\"/>",{"left":727,"top":727,"width":733,"height":733,"rotate":727,"vFlip":543,"hFlip":543,"body":738},"\u003Cpath fill=\"currentColor\" d=\"M224 128a8 8 0 0 1-8 8H40a8 8 0 0 1 0-16h176a8 8 0 0 1 8 8M40 72h176a8 8 0 0 0 0-16H40a8 8 0 0 0 0 16m176 112H40a8 8 0 0 0 0 16h176a8 8 0 0 0 0-16\"/>",{"left":727,"top":727,"width":733,"height":733,"rotate":727,"vFlip":543,"hFlip":543,"body":740},"\u003Cpath fill=\"currentColor\" d=\"M128 80a48 48 0 1 0 48 48a48.05 48.05 0 0 0-48-48m0 80a32 32 0 1 1 32-32a32 32 0 0 1-32 32m48-136H80a56.06 56.06 0 0 0-56 56v96a56.06 56.06 0 0 0 56 56h96a56.06 56.06 0 0 0 56-56V80a56.06 56.06 0 0 0-56-56m40 152a40 40 0 0 1-40 40H80a40 40 0 0 1-40-40V80a40 40 0 0 1 40-40h96a40 40 0 0 1 40 40ZM192 76a12 12 0 1 1-12-12a12 12 0 0 1 12 12\"/>",{"left":727,"top":727,"width":733,"height":733,"rotate":727,"vFlip":543,"hFlip":543,"body":742},"\u003Cpath fill=\"currentColor\" d=\"m164.44 121.34l-48-32A8 8 0 0 0 104 96v64a8 8 0 0 0 12.44 6.66l48-32a8 8 0 0 0 0-13.32M120 145.05V111l25.58 17Zm114.33-75.53a24 24 0 0 0-14.49-16.4C185.56 39.88 131 40 128 40s-57.56-.12-91.84 13.12a24 24 0 0 0-14.49 16.4C19.08 79.5 16 97.74 16 128s3.08 48.5 5.67 58.48a24 24 0 0 0 14.49 16.41C69 215.56 120.4 216 127.34 216h1.32c6.94 0 58.37-.44 91.18-13.11a24 24 0 0 0 14.49-16.41c2.59-10 5.67-28.22 5.67-58.48s-3.08-48.5-5.67-58.48m-15.49 113a8 8 0 0 1-4.77 5.49c-31.65 12.22-85.48 12-86 12H128c-.54 0-54.33.2-86-12a8 8 0 0 1-4.77-5.49C34.8 173.39 32 156.57 32 128s2.8-45.39 5.16-54.47A8 8 0 0 1 41.93 68c30.52-11.79 81.66-12 85.85-12h.27c.54 0 54.38-.18 86 12a8 8 0 0 1 4.77 5.49C221.2 82.61 224 99.43 224 128s-2.8 45.39-5.16 54.47Z\"/>",{"left":727,"top":727,"width":733,"height":733,"rotate":727,"vFlip":543,"hFlip":543,"body":744},"\u003Cpath fill=\"currentColor\" d=\"m214.75 211.71l-62.6-98.38l61.77-67.95a8 8 0 0 0-11.84-10.76l-58.84 64.72l-40.49-63.63A8 8 0 0 0 96 32H48a8 8 0 0 0-6.75 12.3l62.6 98.37l-61.77 68a8 8 0 1 0 11.84 10.76l58.84-64.72l40.49 63.63A8 8 0 0 0 160 224h48a8 8 0 0 0 6.75-12.29M164.39 208L62.57 48h29l101.86 160Z\"/>",{"left":727,"top":727,"width":733,"height":733,"rotate":727,"vFlip":543,"hFlip":543,"body":746},"\u003Cpath fill=\"currentColor\" d=\"M128 24a104 104 0 1 0 104 104A104.11 104.11 0 0 0 128 24m8 191.63V152h24a8 8 0 0 0 0-16h-24v-24a16 16 0 0 1 16-16h16a8 8 0 0 0 0-16h-16a32 32 0 0 0-32 32v24H96a8 8 0 0 0 0 16h24v63.63a88 88 0 1 1 16 0\"/>",{"left":727,"top":727,"width":733,"height":733,"rotate":727,"vFlip":543,"hFlip":543,"body":748},"\u003Cpath fill=\"currentColor\" d=\"M216 24H40a16 16 0 0 0-16 16v176a16 16 0 0 0 16 16h176a16 16 0 0 0 16-16V40a16 16 0 0 0-16-16m0 192H40V40h176zM96 112v64a8 8 0 0 1-16 0v-64a8 8 0 0 1 16 0m88 28v36a8 8 0 0 1-16 0v-36a20 20 0 0 0-40 0v36a8 8 0 0 1-16 0v-64a8 8 0 0 1 15.79-1.78A36 36 0 0 1 184 140m-84-56a12 12 0 1 1-12-12a12 12 0 0 1 12 12\"/>",{"name":750,"created_at":751,"published_at":752,"updated_at":753,"id":754,"uuid":755,"content":756,"slug":1286,"full_slug":1287,"sort_by_date":34,"position":1288,"tag_list":1289,"is_startpage":543,"parent_id":1290,"meta_data":34,"group_id":1291,"first_published_at":1292,"release_id":34,"lang":730,"path":34,"alternates":1293,"default_full_slug":34,"translated_slugs":34},"What are my investment options in retirement?","2023-10-03T14:52:10.714Z","2024-11-27T11:02:44.433Z","2024-11-27T11:02:44.465Z",381815954,"e59f1067-002c-4098-8804-b10a4c70425b",{"_uid":757,"body":758,"hero":1199,"author":1224,"sidebar":1249,"hide_cta":543,"metatags":1277,"component":1281,"bottom_banner":1282,"subcategories":1283,"hide_pro_banner":543,"intro_paragraph":1284,"intro_subheading":12,"table_of_contents":558,"outgrow_calculator":1285,"hide_email_signup_widget":543,"show_footer_sticky_banner":543},"6244a23c-9e55-45fa-ad3a-1236c9d99e60",[759,950,953,1130,1163,1167],{"_uid":760,"data":761,"component":949},"1007f8f8-3266-4e01-bf87-544c1737a13b",{"type":15,"content":762},[763,774,827,836,843,850,857,877,884,891,900,921,928,935,942],{"type":764,"attrs":765,"content":767},"heading",{"level":766},2,[768],{"text":769,"type":22,"marks":770},"Summary",[771,772],{"type":38},{"type":129,"attrs":773},{"color":12},{"type":775,"content":776},"bullet_list",[777,787,796,805],{"type":778,"content":779},"list_item",[780],{"type":18,"content":781},[782],{"text":783,"type":22,"marks":784},"Maintaining and diversifying your investment portfolio helps you reduce the common risks associated with retirement planning.",[785],{"type":129,"attrs":786},{"color":12},{"type":778,"content":788},[789],{"type":18,"content":790},[791],{"text":792,"type":22,"marks":793},"According to the Unbiased Retirement Confidence Survey, inflation and its impact on savings are among Americans' biggest concerns when planning for retirement.  ",[794],{"type":129,"attrs":795},{"color":12},{"type":778,"content":797},[798],{"type":18,"content":799},[800],{"text":801,"type":22,"marks":802},"When you retire, you need to look at your investment portfolio differently, as the investments you made in your 40s and 50s might not be suitable for this stage of your life.",[803],{"type":129,"attrs":804},{"color":12},{"type":778,"content":806},[807],{"type":18,"content":808},[809,814,822],{"text":810,"type":22,"marks":811},"A ",[812],{"type":129,"attrs":813},{"color":12},{"text":815,"type":22,"marks":816},"financial advisor",[817,820],{"type":31,"attrs":818},{"href":819,"uuid":34,"anchor":34,"target":35,"linktype":36},"https://v2.unbiased.com/inquiry/financial-advisor/advice-areas/",{"type":129,"attrs":821},{"color":12},{"text":823,"type":22,"marks":824}," can help you with your retirement planning and create a plan that will help you reach your retirement goals.",[825],{"type":129,"attrs":826},{"color":12},{"type":764,"attrs":828,"content":829},{"level":766},[830],{"text":831,"type":22,"marks":832},"Why should I invest in retirement? ",[833,834],{"type":38},{"type":129,"attrs":835},{"color":12},{"type":18,"content":837},[838],{"text":839,"type":22,"marks":840},"When you think of retirement, what do you imagine? Are you spending more time with the grandkids? Perhaps you’re taking that cruise you’ve always dreamt of? Or maybe you’re finally getting a chance to spend time working on your favorite hobby.  ",[841],{"type":129,"attrs":842},{"color":12},{"type":18,"content":844},[845],{"text":846,"type":22,"marks":847},"To make this a reality, you need to have your finances in order.  ",[848],{"type":129,"attrs":849},{"color":12},{"type":18,"content":851},[852],{"text":853,"type":22,"marks":854},"Unfortunately, countless risks can eat away at your hard-earned savings in retirement. Retirement planning requires you to think multiple steps ahead. ",[855],{"type":129,"attrs":856},{"color":12},{"type":18,"content":858},[859,864,872],{"text":860,"type":22,"marks":861},"According to the Unbiased Retirement Confidence Survey, nearly 60% said ",[862],{"type":129,"attrs":863},{"color":12},{"text":865,"type":22,"marks":866},"inflation’s impact on retirement savings",[867,870],{"type":31,"attrs":868},{"href":869,"uuid":34,"anchor":34,"target":34,"linktype":36},"https://www.unbiased.com/discover/retirement/how-will-inflation-impact-my-retirement-savings",{"type":129,"attrs":871},{"color":12},{"text":873,"type":22,"marks":874}," was their biggest concern when it comes to retirement planning.",[875],{"type":129,"attrs":876},{"color":12},{"type":18,"content":878},[879],{"text":880,"type":22,"marks":881},"Unexpected healthcare expenses and longevity weren’t far behind, with 56% and 41% of respondents, respectively, noting them as one of their top concerns.    ",[882],{"type":129,"attrs":883},{"color":12},{"type":18,"content":885},[886],{"text":887,"type":22,"marks":888},"Maintaining your investment portfolio and, better still, diversifying your investments is one way to reduce these risks.  ",[889],{"type":129,"attrs":890},{"color":12},{"type":764,"attrs":892,"content":893},{"level":766},[894],{"text":895,"type":22,"marks":896},"What type of retirement investment options should I choose? ",[897,898],{"type":38},{"type":129,"attrs":899},{"color":12},{"type":18,"content":901},[902,907,916],{"text":903,"type":22,"marks":904},"Investments are all about the ",[905],{"type":129,"attrs":906},{"color":12},{"text":908,"type":22,"marks":909},"risk and return relationship",[910,914],{"type":31,"attrs":911},{"href":912,"uuid":34,"anchor":34,"target":913,"linktype":36},"https://www.unbiased.com/discover/retirement-investing/investment-risk-vs-reward-whats-your-attitude","_blank",{"type":129,"attrs":915},{"color":12},{"text":917,"type":22,"marks":918},". ",[919],{"type":129,"attrs":920},{"color":12},{"type":18,"content":922},[923],{"text":924,"type":22,"marks":925},"At the start of your investment journey, high risk can lead to high returns. If the market falls, you also have more time to recover.",[926],{"type":129,"attrs":927},{"color":12},{"type":18,"content":929},[930],{"text":931,"type":22,"marks":932},"However, in retirement, your risk appetite tends to reduce. As your time to recover is limited a market downturn could spell disaster for your income. ",[933],{"type":129,"attrs":934},{"color":12},{"type":18,"content":936},[937],{"text":938,"type":22,"marks":939},"When managing your investment portfolio in retirement, adding more low-risk options is a sensible move.  ",[940],{"type":129,"attrs":941},{"color":12},{"type":18,"content":943},[944],{"text":945,"type":22,"marks":946},"Thankfully, there are numerous low-risk investment options to choose from.  ",[947],{"type":129,"attrs":948},{"color":12},"article-rich-text",{"_uid":951,"component":952,"apply_margin_top":543,"apply_margin_bottom":543},"a9a3bee2-0fa5-470b-9e73-87e46e5f8a57","app-match-flow",{"_uid":954,"data":955,"component":949},"b0afa503-fcb2-49de-bfff-4e43fe963347",{"type":15,"content":956},[957,964,974,984,988,992,996,1004,1012,1024,1028,1032,1040,1047,1058,1062,1066,1073,1080,1092,1104,1108,1112,1116,1123],{"type":764,"attrs":958,"content":959},{"level":766},[960],{"text":961,"type":22,"marks":962},"Four low-risk investment options for retirement  ",[963],{"type":38},{"type":775,"content":965},[966],{"type":778,"content":967},[968],{"type":18,"content":969},[970],{"text":971,"type":22,"marks":972},"Bonds  ",[973],{"type":38},{"type":18,"content":975},[976,982],{"text":977,"type":22,"marks":978},"Bonds",[979],{"type":31,"attrs":980},{"href":981,"uuid":34,"anchor":34,"target":913,"linktype":36},"https://www.unbiased.com/discover/retirement-investing/what-is-a-bond",{"text":983,"type":22}," are a type of loan. They are issued by governments or corporations when they want to raise money.  ",{"type":18,"content":985},[986],{"text":987,"type":22},"The bond will include the loan terms, interest payments, and the date when the loaned funds – the principal – must be paid back. ",{"type":18,"content":989},[990],{"text":991,"type":22},"The interest payment is known as a coupon and is part of the return that bondholders earn for lending their funds to the issuer. The issuer will agree to repay the loan's value by a specific date alongside interest payments, usually twice a year.  ",{"type":18,"content":993},[994],{"text":995,"type":22},"There are four different types of bonds: corporate bonds, municipal bonds, government bonds, and agency bonds. You may also come across foreign bond types issued by global corporations. ",{"type":18,"content":997},[998,1002],{"text":999,"type":22,"marks":1000},"What are the pros? ",[1001],{"type":38},{"text":1003,"type":22},"Bonds have a high interest rate during times of inflation.  ",{"type":18,"content":1005},[1006,1010],{"text":1007,"type":22,"marks":1008},"What are the cons?",[1009],{"type":38},{"text":1011,"type":22}," How much you can invest is limited, and there is a penalty for early withdrawal. ",{"type":775,"content":1013},[1014],{"type":778,"content":1015},[1016],{"type":18,"content":1017},[1018,1022],{"text":1019,"type":22,"marks":1020},"Certificates of deposit (CDs)",[1021],{"type":38},{"text":1023,"type":22},"  ",{"type":18,"content":1025},[1026],{"text":1027,"type":22},"A certificate of deposit (CD) is a savings product that holds a fixed amount of money for a specified time. After this time is up, , you will receive your initial invested amount plus interest when you redeem your CD. ",{"type":18,"content":1029},[1030],{"text":1031,"type":22},"Banks and credit unions usually offer CDs. They are a good way to grow your money, provided you leave your deposit untouched for a set period of time.  ",{"type":18,"content":1033},[1034,1038],{"text":1035,"type":22,"marks":1036},"What are the pros?",[1037],{"type":38},{"text":1039,"type":22}," CDs may offer higher interest rates and are considered a safe and secure way to grow your money.   ",{"type":18,"content":1041},[1042,1045],{"text":1007,"type":22,"marks":1043},[1044],{"type":38},{"text":1046,"type":22}," Most CDs impose penalties for early withdrawals. They also may struggle to keep up with the pace of inflation.   ",{"type":775,"content":1048},[1049],{"type":778,"content":1050},[1051],{"type":18,"content":1052},[1053,1057],{"text":1054,"type":22,"marks":1055},"High-yield savings accounts",[1056],{"type":38},{"text":1023,"type":22},{"type":18,"content":1059},[1060],{"text":1061,"type":22},"These federally insured savings products earn higher rates than the national average – up to 10 or 12 times.  So, they allow your money to grow faster over time than an average savings account.    ",{"type":18,"content":1063},[1064],{"text":1065,"type":22},"Your bank or credit union may offer these accounts. In recent years, with the growth of online banking, competition between providers has increased, leading to better rates for consumers. ",{"type":18,"content":1067},[1068,1071],{"text":1035,"type":22,"marks":1069},[1070],{"type":38},{"text":1072,"type":22}," Interest rates are often higher with these accounts. It also compounds over time.   ",{"type":18,"content":1074},[1075,1078],{"text":1007,"type":22,"marks":1076},[1077],{"type":38},{"text":1079,"type":22}," While interest rates are high, they can fluctuate over time. You can also make limited withdrawals before being hit by fees.   ",{"type":775,"content":1081},[1082],{"type":778,"content":1083},[1084],{"type":18,"content":1085},[1086,1090],{"text":1087,"type":22,"marks":1088},"Annuities",[1089],{"type":38},{"text":1091,"type":22}," ",{"type":18,"content":1093},[1094,1096,1102],{"text":1095,"type":22},"An ",{"text":1097,"type":22,"marks":1098},"annuity",[1099],{"type":31,"attrs":1100},{"href":1101,"uuid":34,"anchor":34,"target":913,"linktype":36},"https://www.unbiased.com/discover/retirement-investing/what-is-an-annuity",{"text":1103,"type":22}," is a contract between you and an insurance company whereby the insurer provides a guaranteed income stream in exchange for money paid into the annuity. ",{"type":18,"content":1105},[1106],{"text":1107,"type":22},"You can pay this money as a lump sum or in regular installments over time. This money grows tax-deferred, so you will only pay income tax when you withdraw.  ",{"type":18,"content":1109},[1110],{"text":1111,"type":22},"When withdrawing from your annuity, you can choose to receive monthly payments for a set period of your lifetime or a lump sum payment.  ",{"type":18,"content":1113},[1114],{"text":1115,"type":22},"People often invest in annuities as part of their broader retirement strategy. For example, you may buy an annuity to supplement your traditional retirement account, such as your 401(k) or IRA. ",{"type":18,"content":1117},[1118,1121],{"text":1035,"type":22,"marks":1119},[1120],{"type":38},{"text":1122,"type":22}," There are many advantages to having an annuity, including predictability, security and simplicity.  ",{"type":18,"content":1124},[1125,1128],{"text":1007,"type":22,"marks":1126},[1127],{"type":38},{"text":1129,"type":22}," Your income from an annuity may be smaller than you could achieve by another method. ",{"_uid":1131,"data":1132,"component":949},"69708fbb-132c-4beb-8b48-e641a04c663b",{"type":15,"content":1133},[1134,1141,1145,1149,1155],{"type":764,"attrs":1135,"content":1136},{"level":766},[1137],{"text":1138,"type":22,"marks":1139},"Get expert financial advice",[1140],{"type":38},{"type":18,"content":1142},[1143],{"text":1144,"type":22},"When deciding how to diversify your investment portfolio in retirement, it’s wise to speak to a qualified financial advisor.",{"type":18,"content":1146},[1147],{"text":1148,"type":22},"They can help you navigate the risks and rewards of investing and put your interests first. ",{"type":18,"content":1150},[1151],{"text":1152,"type":22,"marks":1153},"Unbiased can match you with your perfect financial professional. ",[1154],{"type":38},{"type":18,"content":1156},[1157],{"text":1158,"type":22,"marks":1159},"Get started today.",[1160,1162],{"type":31,"attrs":1161},{"href":55,"uuid":34,"anchor":34,"target":913,"linktype":36},{"type":38},{"_uid":1164,"text":1165,"component":1166},"e3788f09-46c9-40f8-a22c-d64ae5a9bdd4","Frequently asked questions","article-subheading",{"_uid":1168,"component":1169,"accordions":1170},"31abe919-f585-48de-b635-2d90bd43e7e0","app-accordion-group",[1171,1181,1190],{"_uid":1172,"text":1173,"title":1179,"component":1180},"667f7748-6bf4-4c62-a3ea-6892f17abe16",{"type":15,"content":1174},[1175],{"type":18,"content":1176},[1177],{"text":1178,"type":22},"The $1,000-a-Month Rule, introduced by Certified Financial Planner Wes Moss, offers a guideline for retirement savings. Moss suggests aiming for $240,000 in savings for every $1,000 of disposable income desired during retirement.","What is the $1000 a month rule for retirement?","app-accordion",{"_uid":1182,"text":1183,"title":1189,"component":1180},"63b43608-f984-44a3-8f97-1703f2c1cd83",{"type":15,"content":1184},[1185],{"type":18,"content":1186},[1187],{"text":1188,"type":22},"For individuals aged 60–69, a moderate portfolio allocation might include 60% stocks, 35% bonds, and 5% cash or cash investments. From ages 70 to 79, a moderately conservative approach might involve 40% stocks, 50% bonds, and 10% cash or cash investments. For those aged 80 and above, a conservative strategy might entail 20% stocks, 50% bonds, and 30% cash or cash investments.","What is the best investment allocation for retirees?",{"_uid":1191,"text":1192,"title":1198,"component":1180},"50f8921c-8091-4bfe-aa71-c77f697ae554",{"type":15,"content":1193},[1194],{"type":18,"content":1195},[1196],{"text":1197,"type":22},"Conventional wisdom suggests that as you reach your 70s, it's advisable to shift your investment portfolio towards lower-risk assets like bonds and cash, while reducing exposure to higher-risk investments such as stocks and mutual funds. Many financial advisors still advocate for this strategy.","Should a 70 year old invest in the stock market?",[1200],{"_uid":1201,"image":1202,"title":1209,"component":1223,"breadcrumbs":558},"ba1e458a-6d61-4c3d-9704-d42046c7ccc1",{"id":1203,"alt":1204,"name":12,"focus":12,"title":1205,"source":12,"filename":1206,"copyright":12,"fieldtype":1207,"meta_data":1208,"is_private":12,"is_external_url":543},13992816,"An old man smiles and holds a pile of dollars","Investment options for retirement","https://a.storyblok.com/f/185166/4268x2845/c4c05f7b87/investment-options-for-retirement.webp","asset",{},{"type":15,"content":1210},[1211],{"type":18,"content":1212},[1213,1215,1221],{"text":1214,"type":22},"What are my ",{"text":1216,"type":22,"marks":1217},"investment options",[1218],{"type":25,"attrs":1219},{"class":1220},"primary-gradient",{"text":1222,"type":22}," in retirement?","app-hero",{"name":1225,"created_at":1226,"published_at":1227,"updated_at":1228,"id":1229,"uuid":1230,"content":1231,"slug":1241,"full_slug":1242,"sort_by_date":34,"position":1243,"tag_list":1244,"is_startpage":543,"parent_id":1245,"meta_data":34,"group_id":1246,"first_published_at":1247,"release_id":34,"lang":730,"path":34,"alternates":1248,"default_full_slug":34,"translated_slugs":34,"_stopResolving":558},"Rachel Carey","2023-03-28T10:05:08.718Z","2025-01-28T12:05:49.815Z","2025-01-28T12:05:49.832Z",283076789,"b4ce951f-89c7-4ef6-97a8-709dc6d856e1",{"job":1232,"_uid":1233,"name":1225,"image":1234,"component":1237,"education":1238,"expertise":1239,"description":1240},"Senior Content Writer","a6e3129c-eeee-4438-8204-797883981521",{"id":1235,"alt":12,"name":12,"focus":12,"title":12,"filename":1236,"copyright":12,"fieldtype":1207,"is_external_url":543},7792663,"https://a.storyblok.com/f/185166/1199x1257/2401746255/rachel-carey.jpg","article-author","Griffith College Dublin, MA (Hons) in Journalism & Media Communications","Rachel brings over a decade of experience in media, including SEO content writing, marketing, public relations, and broadcast and print journalism.","Rachel is a Senior Content Writer at Unbiased, producing content across a range of different sectors, including personal finance, retirement, and investing. She specializes in simplifying intricate financial terms into clear, engaging content tailored for both B2C and B2B audiences.","rachel-carey","authors/rachel-carey",-10,[],224651374,"024abff2-15a6-4099-8ba2-25c01abe42e8","2023-04-03T07:50:42.397Z",[],[1250,1266],{"_uid":1251,"body":1252,"title":1264,"component":1265},"7bfe4fab-9fc6-4d18-be46-5b7222b9f1ea",[1253,1256,1260],{"_uid":1254,"href":869,"text":1255,"component":542,"openInNewWindow":558},"60f2179a-34c6-4ef3-947d-0133be782aac","Inflation's impact on savings",{"_uid":1257,"href":1258,"text":1259,"component":542,"openInNewWindow":558},"c758023f-c432-43e6-9df3-38aaa0a296fb","https://www.unbiased.com/discover/retirement-investing/things-to-do-in-retirement-25-ideas-to-inspire-you","Things to do in retirement",{"_uid":1261,"href":1262,"text":1263,"component":542,"openInNewWindow":558},"62d37792-8c80-444b-8cf3-347794c4dba3","https://www.unbiased.com/discover/retirement-investing/four-retirement-risks-what-are-they-and-how-do-i-prepare","Retirement risks","Related to this article","app-links-list",{"_uid":1267,"list":1268,"cta_link":819,"cta_text":1269,"component":1270,"window_label":12,"window_title":1271},"2be0cd2a-a5b5-4535-baa9-eef65fae7ad8","A financial advisor can build a retirement plan tailored to you.","Find a financial advisor","app-banner",{"type":15,"content":1272},[1273],{"type":18,"content":1274},[1275],{"text":1276,"type":22},"Planning for retirement?",{"title":1278,"plugin":1279,"og_image":12,"og_title":12,"description":1280,"twitter_image":12,"twitter_title":12,"og_description":12,"twitter_description":12},"What are my investment options in retirement? | Unbiased","seo_metatags","When you retire, you need to look at your investment portfolio differently. We reveal how to build and maintain your investment portfolio during retirement.","app-article",[],[],"This article will take you through what you need to consider when making investments in retirement, including your investment options and your evolving relationship with risk. ",[],"what-are-my-investment-options-in-retirement","discover/retirement/what-are-my-investment-options-in-retirement",540,[],365223437,"c9927296-7b5c-4845-a728-6b06741993ff","2023-08-15T09:15:29.728Z",[],{"left":727,"top":727,"width":1295,"height":1295,"rotate":727,"vFlip":543,"hFlip":543,"body":1296},24,"\u003Cpath fill=\"currentColor\" d=\"M3.71 16.29a1 1 0 0 0-.33-.21a1 1 0 0 0-.76 0a1 1 0 0 0-.33.21a1 1 0 0 0-.21.33a1 1 0 0 0 .21 1.09a1.2 1.2 0 0 0 .33.21a.94.94 0 0 0 .76 0a1.2 1.2 0 0 0 .33-.21a1 1 0 0 0 .21-1.09a1 1 0 0 0-.21-.33M7 8h14a1 1 0 0 0 0-2H7a1 1 0 0 0 0 2m-3.29 3.29a1 1 0 0 0-1.09-.21a1.2 1.2 0 0 0-.33.21a1 1 0 0 0-.21.33a.94.94 0 0 0 0 .76a1.2 1.2 0 0 0 .21.33a1.2 1.2 0 0 0 .33.21a.94.94 0 0 0 .76 0a1.2 1.2 0 0 0 .33-.21a1.2 1.2 0 0 0 .21-.33a.94.94 0 0 0 0-.76a1 1 0 0 0-.21-.33M21 11H7a1 1 0 0 0 0 2h14a1 1 0 0 0 0-2M3.71 6.29a1 1 0 0 0-.33-.21a1 1 0 0 0-1.09.21a1.2 1.2 0 0 0-.21.33a.94.94 0 0 0 0 .76a1.2 1.2 0 0 0 .21.33a1.2 1.2 0 0 0 .33.21a1 1 0 0 0 1.09-.21a1.2 1.2 0 0 0 .21-.33a.94.94 0 0 0 0-.76a1.2 1.2 0 0 0-.21-.33M21 16H7a1 1 0 0 0 0 2h14a1 1 0 0 0 0-2\"/>",[1298,1301,1302],{"title":1299,"exact":558,"href":1300},"Home","https://www.unbiased.com",{"title":161,"exact":558,"to":174,"disabled":543},{"title":750,"exact":558,"to":1303,"disabled":558},"/discover/retirement/what-are-my-investment-options-in-retirement",{"left":727,"top":727,"width":733,"height":733,"rotate":727,"vFlip":543,"hFlip":543,"body":1305},"\u003Cpath fill=\"currentColor\" d=\"m181.66 133.66l-80 80a8 8 0 0 1-11.32-11.32L164.69 128L90.34 53.66a8 8 0 0 1 11.32-11.32l80 80a8 8 0 0 1 0 11.32\"/>",1777540820501]