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  • Writer's pictureJoel Cleary CFP®

"Mastering Retirement: The Bucket Strategy for Melbourne's Future Retirees"

As Melbourne's leading financial advisor specialising in retirement planning, I'm here to guide you through a strategic approach known as the Bucket Strategy. This method is tailored to ensure that Melbourne retirees enjoy a comfortable and secure future.


Understanding the Bucket Strategy


Retirement is a phase of life that demands careful financial planning. The Bucket Strategy simplifies this by categorising your investments into three distinct 'buckets' based on when you'll need the funds. This approach helps in balancing risk and providing a stable income stream during retirement.


The Immediate Needs Bucket


The first bucket addresses your short-term needs. It consists of highly liquid assets such as cash and short-term bonds, ensuring that you have ready access to funds without being affected by market fluctuations.


The Intermediate Horizon Bucket


For the medium term, the second bucket is crucial. It includes a mix of assets like bonds and stable stocks, offering a blend of safety and moderate growth to cover expenses in the next 5 to 10 years.


The Long-Term Growth Bucket


The third bucket is for your long-term needs, focusing on growth through a diversified portfolio of stocks and other growth-oriented investments. This is where we can take advantage of the market's potential for higher returns, given the extended time horizon.


Partnering with a Melbourne Financial Expert


As your Melbourne-based financial advisor, I'm committed to creating a personalised retirement plan that resonates with your unique needs. Our expert team understands the local market dynamics and tailors strategies that best suit your retirement goals.


Retirement planning is more than just investment; it's about securing your future and enjoying your golden years with peace of mind. Contact us today to start crafting a retirement plan that ensures a comfortable and fulfilling retirement.



Advice Warnings & Disclaimers.


This information is intended to provide general information only and has been prepared without considering any particular person’s objectives, financial situation or needs. Any general advice contained within or given during this presentation (whether orally or in writing) does not consider your objectives, financial situation or needs. Nothing in this presentation is intended to be investment, financial advice or a recommendation to invest in a financial product. Before acting on such information, you should consider the appropriateness of the information having regard to your personal objectives, financial situation or needs. To the maximum extent permitted by law, we (Forward Path Advisory Pty Ltd), Joel Cleary & Rathakrishna Jeyabalasingam (Radz Je) disclaim all liability and responsibility for any direct or indirect loss or damage which may be suffered as a result of relying on anything in this blog, including any forward-looking statements. Past performance is not an indication of future performance. In particular, you should obtain professional advice before acting on the information contained in this presentation.



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