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Chapter helps you compare every Medicare Advantage, Medicare Supplement, and Part D plan for free, with support before and after enrollment. Call 510-961-3329 or visit chapter.com/erin Feeling unsure about your financial future? My team at Root Financial can help: https://learn.rootfinancial.com/erin How much cash should you keep in retirement? Many retirees hold several years of expenses in cash to protect themselves from a stock market crash, but Vanguard’s retirement-income research shows that holding too much cash could significantly reduce your long-term wealth. In Vanguard’s hypothetical example, two 60-year-old retirees each start with a $250,000 portfolio and withdraw $20,000 annually. One keeps one year of portfolio withdrawals in cash, while the other keeps three years. By age 80, they are projected to have $58,385 and $8,936 remaining, respectively, a difference of more than six times. This video examines Vanguard’s recommended retirement cash reserve, cash drag, inflation, sequence-of-returns risk, money market funds, emergency savings, and retirement withdrawal strategies. Vanguard generally recommends holding approximately 12 months of planned portfolio withdrawals, not 12 months of total expenses. The right amount ultimately depends on your Social Security and pension income, portfolio allocation, spending flexibility, risk tolerance, and retirement plan. Is your cash protecting your retirement, or quietly limiting how long your money will last? Source: https://corporate.vanguard.com/content/dam/corp/research/pdf/vanguard_principles_retirement_income.pdf 00:00 - Intro: Vanguard Says You’re Holding Too Much Cash 01:41 - Why Retirees Hold So Much Cash: 4 Real Reasons 03:24 - What Vanguard Actually Recommends: 12 Months of Withdrawals, Not Spending 05:04 - Making Medicare Simpler With Chapter 06:09 - Vanguard’s Exact Numbers: 1 Year vs. 3 Years of Cash 08:16 - Why More Cash Can Create Less Security 09:47 - The Important Counterargument: When 3 Years Still Makes Sense 11:43 - Separate Your Two Cash Buckets: Spending vs. Contingency 13:27 - How Much Cash Should You Actually Hold? 15:58 - Managing the Spending Fund 17:21 - Closing: Give Every Dollar a Job 18:12 - Bloopers Chapter and its affiliates are not connected with or endorsed by any government entity or the federal Medicare program. Chapter Advisory, LLC represents Medicare Advantage HMO, PPO, and PFFS organizations and stand alone prescription drug plans that have a Medicare contract. Enrollment depends on the plan’s contract renewal. While we have a database of every Medicare plan nationwide and can help you to search among all plans, we have contracts with many but not all plans. As a result, we do not offer every plan available in your area. Currently we represent 50 organizations which offer 18,160 products nationwide. We search and recommend all plans, even those we don’t directly offer. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your options. Erin Moriarity has a financial relationship with Chapter and may receive compensation if you use this affiliate link. Chapter is not affiliated with Root Financial Partners, LLC. Connect with me on LinkedIn for charts & daily retirement insights: https://www.linkedin.com/in/erintalksmoney/ Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching, I appreciate you! Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship with Root Financial. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation. The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal. Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate and should not be considered testimonials or endorsements.

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