I have always been perplexed personally by the plan to go to bonds more heavily in retirement. especially if a physician who has been fortunate enough to save and who is likely to leave a large amount to children. I see so many of my former senior partners retire and they get their RMD checks and then they just take the money that they don’t plan on spending anyways and reflexively put it into bonds. ??? thanks for sharing.
Would they advise their children to invest in bonds? Of course not, but there is no difference.
There's a very technical term for this complex line of reasoning: THWADI. That's How We've Always Done It.
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