Anne Tergesen

speaker

4,485 appearances 83 recordings 1 series first heard Jul 2017 last heard Feb 2025

Anne Tergesen’s voice in public audio — every appearance, attributed to the second.

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WSJ Your Money Briefing · How Retirees Get By on Almost Nothing But Social Security · 12 Jan 2024 podcast

The higher earning spouse can wait. matched

And so that way you maximize your collective income and then the surviving spouse inherits the larger check. matched

So the person who waits longer maximizes that check. matched

The survivor receives the larger maximized check. matched

WSJ Your Money Briefing · Boomers Are Buying Bonds. Should You? · 18 Dec 2023 podcast

Because higher yields bring higher incomes, which is great for retirees.

And higher bond yields also mean that it's more attractive to shift more money into bonds, which reduces the risk of a retirement portfolio.

For retirees, it's always been an attractive concept to invest in income generating investments.

So, for example, bonds generate income through bond yields and stocks with dividends.

These days, with interest rates higher, retirees can earn more on their investments, their bond investments.

And if you invest in relatively small

high-quality bonds, the risk of default is quite low.

So this is very attractive to retirees, too.

Well, when people get older, the ideal is that they reduce their reliance on stocks.

So there's been a lot of discussion in the news recently about the so-called 60-40 portfolio, which is sort of a standard recommendation to people who are approaching retirement or in retirement, which is to hold 60% of your portfolio in stocks and 40%

in bonds.

But for years now, because interest rates have been so low, they were very close to zero a couple years ago, the incentive to hold bonds has been not really there for retirees.

Because if you can really earn next to nothing on your bonds, then the thinking is, why bother?

So for a long time, stocks have been the only game in town for retirees.

And for that reason, a lot of retirees, a lot of baby boomers in particular, remained pretty heavily invested in stocks, even as they got older.

Now, that's kind of risky because if the stock market goes down and a retiree who's

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