James (Host - Lighthouse Financial Advisor)

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2,966 appearances 15 recordings 1 series first heard Jul 2026 last heard 20 Aug

James (Host - Lighthouse Financial Advisor)’s voice in public audio — every appearance, attributed to the second.

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recordings per month · last 12 months

Recordings per month over the last 12 months — 15 in all, peaking in Aug 2026 with 9.

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Cheques and Balances · How to Avoid Going Broke in Retirement | Episode 523 · 13 Aug 2026 podcast

You you've you've your earning career is over and now your money has dropped essentially in totality north of twenty percent within your first twelve months of retirement. voice-verified

You're putting voice-verified

So I think there's a couple of things that are happening here in terms of like what you should do if markets drop is the first one, which I'm freaking until I am blue in the face talking to people about making sure you are in the right risk profile heading into retirement. voice-verified

The amount of people out there who just think markets will roll forward forever and just want high growth and growth investments going into retirement and don't voice-verified

Don't appreciate that line bouncing up and down when you're taking out a regular income is really bad for you. voice-verified

So the first thing I would say is um voice-verified

I don't like people being in um who are retired, uh being in anything more than a balanced portfolio to make sure the volatility isn't too extreme. voice-verified

So it's like sixty percent in shares and property, uh forty percent in cash or bonds. voice-verified

The other thing that we'd like to have for um a lot of our clients is to have cash in the bank. voice-verified

We don't want all of their money invested into the share market. voice-verified

Um, because if you like people, once again, you don't know what's gonna happen in the future. voice-verified

You want to keep living your life of a GFC, you don't want to pause your retirement for a year or two years. voice-verified

Ideally you stop or ease up on your withdrawal rate and you pull from your cash for a period of time until markets recover. voice-verified

That's a good way where you don't have to crystallize your losses. voice-verified

Well, it's very interesting, right? voice-verified

I mean this applies to the property market as well in terms of this is just math. voice-verified

This is not specific to shares. voice-verified

But when your investments fall, the gain you require needs to be uh much larger to uh recover for the loss. voice-verified

So if you think about right, if I have a million dollars and it drops by 50%, I am I have how much of my investment, Michael? voice-verified

Five hundred thousand. voice-verified

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