FYI: A recent academic study is perhaps the most comprehensive analysis yet of whether bucket approaches are superior to other retirement funding strategies.
The idea behind bucket approaches is to divide your retirement portfolio into several different buckets, with transfers between those buckets carefully structured.
The first bucket would contain enough cash and liquid assets to fund several years of retirement, with other buckets containing riskier assets. That first bucket would be replenished only when those riskier assets perform well.
Regards,
Ted
https://www.barrons.com/articles/bucket-strategies-for-retirement-saving-51550241230?refsec=retirement
