Cash-Bond-Stock Framework
Plan a retirement portfolio with the bucket strategy: cash for the next few years, bonds for the middle years, and stocks for long-term growth.
$100,000 per year
Bucket allocation
Split your 25 years of spending across cash, bonds, and stocks. Move any slider and the others rebalance to keep the total at 25 years.
Your target portfolio
$2,500,000
Based on the 4% rule: 25 times your annual withdrawal. The bar shows which bucket funds each year of retirement.
Cash
Bonds
Stocks
How the bucket strategy works
The bucket strategy splits your retirement portfolio into three time horizons. Each bucket holds the right kind of asset for the years it's expected to fund.
Cash covers the early years of spending. It earns little, but it's available no matter what the market does. Bonds handle the medium term: steadier than stocks, with modest returns. The rest sits in stocks, which have decades to grow through the market's ups and downs.
The 25-year framework corresponds to the well-known 4% rule.
For education only. Not financial advice. Sample funds are illustrative.