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Finding the Right Balance Between Cash and Equities

2026-07-16

The hardest part of retirement planning is deciding how much cash to keep and how much to invest in equities. Keep too much in cash, and the portfolio may earn returns that are too low to last a lifetime. Keep too little, and retirees can experience anxiety and become more vulnerable to sequence-of-returns risk.

A successful retirement requires both confidence and security. Retirees need confidence that their money will last, and the security of knowing that near-term spending is protected.

CherishBuckets.com helps advisors and retirees model this balance. You can test different numbers of years of expenses in a safety bucket, adjust those levels over time, and decide how much of essential and discretionary spending should be covered by the bucket strategy.

By making these tradeoffs easy to visualize, CherishBuckets.com helps create retirement plans that are easy to follow and inspire confidence.

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The content and tools on this website are provided for informational and educational purposes only and do not constitute financial, investment, tax, or legal advice.

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