What’s the best way to maximize after-tax returns and build the optimal portfolio? How should American households measure their longevity risks? Robert "Bob" Powell sits down with David Blanchett, Head of Retirement Research at PGIM DC Solutions, and Doug Boneparth, Bone fide Wealth President & Founder, to discuss several different topics including how to understand risk over time, plan for your longevity risk, and prioritize different savings goals. Doug & David both agree that open financial communication is the most important strategy when it comes to your household’s financial planning. Find out how to calculate the best investment strategy for you and your family in this week’s episode of Decoding Retirement. Understanding risk over time (6:00) Why stocks become relatively less risky over longer time horizons. "How does the risk of holding those investments change the longer I hold them?" – David Blanchett Planning for the worst (14:20) Why there is not one way to go about your financial life. "What good is investing your money if you can’t stay invested to enjoy compounding your returns?" – Doug Boneparth Financial equality in the household (20:00) Why communication is fundamental when it comes to household financial planning. "It would be completely unacceptable for her not to know where the accounts are and how to access them…." – Doug Boneparth Video highlights: :40 – How to build an efficient portfolio 3:40 – The simplicity of target date funds 7:20 – Finding the best investment strategy for you 8:30 – Decoding longevity risk 11:40 – The impact of interest rates 14:20 – Why personal finance is personal 18:00 – How discuss finances with your partner Retirement planning doesn’t mean locking up your money for a rainy day and forgetting about it. Planning your future means reacting to events today. Decoding Retirement gives you the tools to navigate the years ahead, and take action now! Yahoo Finance’s Decoding Retirement is hosted by Robert Powell, and produced by Austin Rivera. Find more episodes of Decoding Retirement at https://finance.yahoo.com/videos/series/decoding-retirement. Thoughts? Questions? Fan mail? Email us at yfpodcasts@yahooinc.com.
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