Thumbs Down on a Retiree Rule of Thumb

Retirees, don't shy away from stocks. New research shows boosting stock allocation during retirement could be a smart move.

You've likely heard this advice many times: Start your retirement with 50% to 55% of your portfolio invested in stocks. Then gradually taper off over 30 years until 80% of your holdings are in safer bonds and cash. That's also a typical "glide path" of many target-date retirement funds.

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Susan B. Garland
Contributing Editor, Kiplinger's Retirement Report
Susan Garland is the former editor of Kiplinger's Retirement Report, a personal finance publication whose subscribers are retirees and those approaching retirement. Before joining Kiplinger in 2006, Garland was a freelance writer whose work appeared in the New York Times, the Washington Post, BusinessWeek, Modern Maturity (now AARP The Magazine), Fortune Small Business and other publications. For 12 years, Garland was a Washington-based correspondent for BusinessWeek, covering the White House, national politics, social policy and legal affairs. Garland is a graduate of Colgate University.