Ryan Sterling
speaker
807 appearances
4 recordings
1 series
first heard Feb 2026
last heard 7 Sep
Ryan Sterling’s voice in public audio — every appearance, attributed to the second.
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recordings per month · last 12 monthsRecordings per month over the last 12 months — 4 in all, peaking in Sep 2026 with 1.
Appearances
The two hundred thousand that you reference, is that the um IRA that you have?
It is, yes.
And how is that invested right now?
It's two hundred thousand dollars after the fourteen thousand dollar increase.
That is consistent with a pretty conservative portfolio.
I would have liked to see it probably invested a bit more aggressively and would have liked to have a higher return than that, but it is consistent with something that's pretty conservative.
There is a glide path where it gets more conservative as people get closer to retirement and into retirements.
That said, conservative being defined as it glides down to roughly 50-50 in terms of stocks and bonds.
So just because it glides down doesn't mean it goes to 100% fixed income.
It still has a healthy stock exposure.
And the reason for that is, you know, we have to think
Think about matching the risk with the duration of funds.
In your late 60s, early 70s, you do really have to think about a duration of 10 to 20 years.
None of us know how long we're gonna live, but I would tell you from an actual standpoint, if you make it to the age of 70, there's a 50-50 shot that you're gonna make it to the age of 90.
One of the mistakes people make is they get to their late 60s and say, Oh, I have a very short time horizon.
And in in certain respects you do.
But that said, it's not a time horizon of zero or a couple of years.
It potentially could be a time horizon still of 20 years.
Still.
Right.
Showing 241–260 of 807 · page 13 of 41
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