2025 Retirement: Simple Bucket Plan to Diversify & Cut Risk

• A bucket-based plan is recommended for retirement corpus diversification to mitigate sequence-of-returns risk.
• Bucket 1 covers 2-3 years of expenses using low-volatility instruments for stability and liquidity.
• Bucket 2 covers 4-10 years with a mix of debt and hybrid instruments for balanced growth.
• Bucket 3 covers 10+ years, focusing on equity for long-term growth and inflation protection.
• A small diversifier bucket (e.g., gold/silver ETFs) and a diversified withdrawal plan with annual rebalancing are also advised.

Why It Matters: This plan helps secure your retirement by managing investment risks effectively.