http://blog.alliancebernstein.com/index.php/2013/02/28/is-it-time-to-get-back-into-stocks-or-too-late/?utm_source=rss&utm_medium=rss&utm_campaign=is-it-time-to-get-back-into-stocks-or-too-late The AllianceBernstein Blog on Investing Fri, 24 May 2013 12:06:21 +0000 hourly 1 http://wordpress.org/?v=3.4.1 http://blog.alliancebernstein.com/index.php/2013/02/28/is-it-time-to-get-back-into-stocks-or-too-late/#comment-84376 Seth Masters Fri, 15 Mar 2013 13:24:56 +0000 http://blog.alliancebernstein.com/?p=3898#comment-84376 Whether a couple in their 80s should increase their stock allocation depends on their situation—on how large their stock allocation is now, and how large their portfolio is relative to their spending needs—as well as their tolerance for risk. But generally speaking, a couple in their 80s spending 3% to 4% of their portfolio (inflation-adjusted) each year would need less stock exposure than a similar couple in their 60s because the older couple wouldn’t need the higher return potential from stocks to fund spending for decades into the future. If the couple has surplus capital they plan to leave to family, friends or charity, however, they might want to take more risk to gain the higher returns from stocks. Whether a couple in their 80s should increase their stock allocation depends on their situation—on how large their stock allocation is now, and how large their portfolio is relative to their spending needs—as well as their tolerance for risk. But generally speaking, a couple in their 80s spending 3% to 4% of their portfolio (inflation-adjusted) each year would need less stock exposure than a similar couple in their 60s because the older couple wouldn’t need the higher return potential from stocks to fund spending for decades into the future. If the couple has surplus capital they plan to leave to family, friends or charity, however, they might want to take more risk to gain the higher returns from stocks.

]]> http://blog.alliancebernstein.com/index.php/2013/02/28/is-it-time-to-get-back-into-stocks-or-too-late/#comment-82171 Lorna King Thu, 14 Mar 2013 03:50:34 +0000 http://blog.alliancebernstein.com/?p=3898#comment-82171 Very interesting, however, would you advise a couple in their 80''s to get heavier in stocks? Very interesting, however, would you advise a couple in their 80”s to get heavier in stocks?

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