Bucket Strategy

Bucket Strategy

  • Bucket 1:Cash (3 yrs) 10% of assets

  • Bucket 2: Stable (bonds) 20% of assets

  • Bucket 3: Equity long-term growth 70%

Paycheck every month: 12 month budget / 12.

Upmarket refill quarterly.

Downmarket refill make take a few years to refill.

Withdrawal Strategy

  • Portfolio between 80:20 to 60:40.

  • Withdraw from both cash and bonds, but equities, if needed.

Michael Wei