Build a retirement safety ladder

A bond ladder can protect you from falling stock markets in retirement.

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Protect yourself from stock market slumps in retirement by keeping five years’ worth of living expenses invested in a “ladder” of safe bonds, with one-fifth of your holdings maturing each year.

That way, you can live off the money from your maturing bonds during a market downturn and you won’t end up decimating your portfolio by cashing in stocks when they’re down.

2 comments on “Build a retirement safety ladder

  1. Any recommendation(s) on how to start this?

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  2. I have heard about ISAs, particularly the Roth IRA which appears to be a lot better compared to other available options. But still, I feel everyone is different and hence everyone would have their own choices to make. What is important however is that some form of a retirement plan is established.

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