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Investing Specialists

Takeaways from the Bucket Portfolio Stress Tests

Any sane in-retirement strategy would've done OK from 2000-17. But will history repeat?


I periodically revisit the performance of my bucket portfolio--and various variations on it--with a few goals in mind.

A key objective--and one of the underpinnings of the bucket portfolios in the first place--is to demonstrate the logistics of extracting cash flow from a portfolio in today's low-yield world. How can retirees maintain a total return portfolio and live on rebalancing proceeds rather than gunning for income? My backward-looking performance reviews, complete with spreadsheets, aim to demonstrate the nitty gritty of portfolio maintenance and cash-flow production.

Christine Benz does not own (actual or beneficial) shares in any of the securities mentioned above. Find out about Morningstar’s editorial policies.