Master Retirement: The 3-Bucket Strategy for Liquidity, Safety & Growth

• The three-bucket strategy divides retirement funds by time horizon to manage liquidity, safety, and long-term growth.
• Bucket 1 (Liquidity) covers 1-3 years of expenses with stable assets, preventing forced selling during market downturns.
• Bucket 2 (Safety) holds 3-10 years of funds, refilling Bucket 1 and providing stability during market cycles.
• Bucket 3 (Growth) focuses on long-term assets (10+ years) to combat inflation and ensure purchasing power.
• This strategy acts as a behavioral tool, ensuring long-term goals are not compromised by short-term market fluctuations.

Why It Matters: Manage retirement stress and market risks effectively with the simple, time-horizon-based three-bucket strategy.