Motley Fool Urges 2028 Retirees to Hold 1-3 Years of Cash
Updated
Updated · The Motley Fool · Jul 2
Motley Fool Urges 2028 Retirees to Hold 1-3 Years of Cash
3 articles · Updated · The Motley Fool · Jul 2
Summary
2028 pre-retirees still have time to strengthen their plans, and The Motley Fool says the biggest near-term move is to keep boosting IRA and 401(k) contributions while paychecks continue.
That extra cushion is meant to absorb surprise costs in retirement and help offset the risk of possible Social Security benefit cuts.
The advice also calls for rebalancing portfolios as retirement nears—especially trimming oversized stock exposure after recent market gains and shifting more assets into steadier income-producing investments.
On liquidity, the report recommends holding 1-3 years of living expenses in cash in case markets fall early in retirement.
It also urges paying down high-interest debt such as credit cards and personal loans before leaving work, while treating low-rate mortgage or car debt as less urgent.