--- title: What are Examples of Retirement Portfolios? description: There are numerous valid approaches to retirement savings. However, for those workers with access to an employer-sponsored retirement account like a 401(k), that’s typically the right place to start. Read more about the different examples of retirement portfolios. image: https://www.realized1031.com/hubfs/is%20disability%20retirement%20income%20taxable%3F-924084404.jpg --- [![Realized 1031 Exchange Marketplace](https://www.realized1031.com/hs-fs/hubfs/Images/Brand/Logo/Realized/Realized-Logo-Black.png?width=240&height=80&name=Realized-Logo-Black.png "Realized 1031 Logo") ](https://www.realized1031.com/) - [Wealth Management Gap](https://www.realized1031.com/the-wealth-management-gap) - [Our Process](https://www.realized1031.com/how-realized-works) - [Financial Advisors](https://www.realized1031.com/advisor) - [Resources](https://www.realized1031.com/resources) - [The Company](https://www.realized1031.com/about-us) - [Articles](https://www.realized1031.com/blog) [Register](https://www.realized1031.com/marketplace) [Log In](https://www.realized1031.com/login) - Better Business Bureau Rating: **A+** - [FINRA BrokerCheck](https://brokercheck.finra.org/firm/summary/22333) - [Call](tel:1-877-797-1031) **(877) 797-1031** # What are Examples of Retirement Portfolios? Posted Oct 26, 2022 ![is disability retirement income taxable?-924084404](https://www.realized1031.com/hs-fs/hubfs/is%20disability%20retirement%20income%20taxable%3F-924084404.jpg?width=750&height=393&name=is%20disability%20retirement%20income%20taxable%3F-924084404.jpg) Intimidation may be one of the most significant obstacles to adequate retirement planning. According to the[ Transamerica Retirement Survey](https://transamericacenter.org/retirement-research/21st-annual-retirement-survey) (conducted in 2020 by the Harris Poll), 42 percent of Americans admit that their biggest concern is that they will outlive their retirement savings and investments. Yet, despite that fear, 68 percent of those surveyed either strongly or somewhat agreed that they were building an adequate nest egg for retirement. The concern may be due to worries about whether the investments are safe and will grow enough to provide the needed income. ### Where should investors allocate their savings? There are numerous valid approaches to retirement savings. However, for those workers with access to an employer-sponsored retirement account like a 401(k), that’s typically the right place to start. The reason is that many companies will match a percentage of the employee’s contribution, which is “free” money. For example, if you have a company-sponsored 401(k) account and divert 10 percent of your income to the account (subject to IRS limits on annual contributions), you start winning immediately. First, you are saving pre-tax dollars. For many people, this is an advantage since they expect their tax rate to be lower in retirement. If you think yours will be higher, you may want to consider a[ Roth](https://www.realized1031.com/blog/is-a-roth-ira-a-qualified-retirement-plan) conversion at some point. Second, if you allocate ten percent of your income to the 401(k) and your employer matches 50 percent of your contribution, you immediately earn a 50 percent return. (Not precisely immediately, since most employer contributions are subject to vesting periods, but without doing anything). Third, you can choose how to invest the funds. Most 401(k) accounts have a choice of several funds, often categorized by target retirement age or growth orientation. You can make it simple by selecting a fund designed to maximize the outcome for people retiring in the same year you intend. Or you can choose a fund that targets the allocation split you prefer, whether 80/20, 70/30, or something much more conservative. ### How do investors decide how to allocate their portfolios? Generally, investors typically want to maintain a balance between income pursuit and capital preservation. Where they are comfortable depends on their goals and risk appetite. Investors seeking higher returns may be willing to accept a higher risk level. It is unavoidable that investments with the potential for higher rewards carry the risk of loss. As a result, investors looking for appreciation may prefer a more substantial concentration in equities and less in fixed income. In contrast, investors concerned about not losing money may incline toward fixed income and put less or no capital in stocks. In addition to maintaining balance among asset classes, a retirement portfolio allocation strategy will incorporate diversity in stocks, sectors, and industries. For example, one[ asset allocation](https://www.realized1031.com/blog/what-is-asset-allocation-and-why-is-it-important) strategy is to move gradually from an aggressive (growth-oriented, concentrated in equities) approach to a more conservative approach (more investment in bonds and other fixed income instruments) as you age. Investors unsure of the best path for their portfolio may want to seek financial guidance. This material is for general information and educational purposes only. Information is based on data gathered from what we believe are reliable sources. It is not guaranteed as to accuracy, does not purport to be complete and is not intended to be used as a primary basis for investment decisions. Realized does not provide tax or legal advice. This material is not a substitute for seeking the advice of a qualified professional for your individual situation. Examples are hypothetical and for illustrative purposes only. Withdrawal strategies should take into account the investment objectives, financial situation and particular needs of the individual. Past performance is not a guarantee or indication of future results. All investments have an inherent level of risk. The value of your investment will fluctuate with the value of the underlying investments. You could receive back less than you initially invested and there is no guarantee that you will receive any income. Find Ways To Diversify Your Retirement Income [![Learn Alternate Ways To Potentially Earn Retirement Income](https://www.realized1031.com/hs-fs/hubfs/Images/UI/graphics/composites/IPWM-Income-ebook-250.png?width=250&height=250&name=IPWM-Income-ebook-250.png "Discover Potential Passive ...") ](https://www.realized1031.com/blog/what-are-examples-of-retirement-portfolios#blogform) Download eBook ---   --- ### Learn Alternate Ways To Potentially Earn Retirement Income ![Find Ways To Diversify Your Retirement Income](https://www.realized1031.com/hs-fs/hubfs/Images/UI/graphics/composites/IPWM-Income-ebook-550.jpg?width=550&height=650&name=IPWM-Income-ebook-550.jpg) Discover Potential Passive Income Generation Opportunities To Consider For Retirement. By providing your email and phone number, you are opting to receive communications from Realized. If you receive a text message and choose to stop receiving further messages, reply STOP to immediately unsubscribe. Msg & Data rates may apply. To manage receiving emails from Realized visit the Manage Preferences link in any email received. Search ### [Why Realized](https://www.realized1031.com/why-realized) - [Wealth Management](https://www.realized1031.com/the-wealth-management-gap) - [Why Realized](https://www.realized1031.com/why-realized) - [Our Process](https://www.realized1031.com/how-realized-works) - [Scenarios](https://www.realized1031.com/scenarios) - [Private Client Program](https://www.realized1031.com/private-client) - [Realized Exchange Services](https://www.realized1031.com/realized-exchange-services) ### [The Company](https://www.realized1031.com/about-us) - [The Team](https://www.realized1031.com/about-us) - [FAQ](https://www.realized1031.com/frequently-asked-questions) - [Testimonials](https://www.realized1031.com/testimonials) - [Press](https://www.realized1031.com/press) - [Careers](https://www.realized1031.com/careers) ### [Partners](https://www.realized1031.com/partners) - [Financial Advisors](https://www.realized1031.com/advisor) - [Broker Dealers](https://www.realized1031.com/partners/broker-dealers) - [Real Estate Agents](https://www.realized1031.com/partners/real-estate-agents) - [Certified Public Accountants](https://www.realized1031.com/partners/certified-public-accountants) ### [Resources](https://www.realized1031.com/resources) - #### Learn - [Articles](https://www.realized1031.com/blog) - [Glossary of Terms](https://www.realized1031.com/glossary) - [Capital Gains Tax Rates](https://www.realized1031.com/capital-gains-tax-rate) - #### Watch - [Video Library](https://www.realized1031.com/videos) - [Webinar Archive](https://www.realized1031.com/webinars) - #### Read - [Delaware Statutory Trust](https://www.realized1031.com/delaware-statutory-trust) - [Tenants-In-Common](https://www.realized1031.com/tenants-in-common-tic) - [1031 Exchange](https://www.realized1031.com/1031-exchange) - [Qualified Intermediary](https://www.realized1031.com/qualified-intermediary) - [Qualified Opportunity Zones](https://www.realized1031.com/opportunity-zones) #### Realized - 500 W 13th Street Austin, TX 78701 - (877) 797-1031 ##### [Contact Us](https://www.realized1031.com/contact-us) - [![Realized on Facebook](https://www.realized1031.com/hs-fs/hubfs/Images/UI/Social/Icons/Mix/social-facebook-whiterev.png?width=60&height=60&name=social-facebook-whiterev.png)](https://www.facebook.com/Realized/) - [![Realized on LinkedIn](https://www.realized1031.com/hs-fs/hubfs/Images/UI/Social/Icons/Mix/social-linkedin-whiterev.png?width=60&height=60&name=social-linkedin-whiterev.png)](https://www.linkedin.com/company/realized/) - [![Realized on YouTube](https://www.realized1031.com/hs-fs/hubfs/Images/UI/Social/Icons/Mix/social-youtube-whiterev.png?width=60&height=60&name=social-youtube-whiterev.png)](https://www.youtube.com/c/Realized1031?sub_confirmation=1) - [![Realized Holdings, Inc. BBB Business Review](https://www.realized1031.com/hs-fs/hubfs/Images/professional-assoc/bbb/RZH2-bbb-seal.png?width=40&height=65&name=RZH2-bbb-seal.png)](http://www.bbb.org/central-texas/business-reviews/real-estate-investors/realized-holdings-llc-in-austin-tx-1000112948/#bbbonlineclick) - [![FEA Logo](https://www.realized1031.com/hs-fs/hubfs/Images/professional-assoc/fea/RZH2-fea-logo.png?width=82&height=65&name=RZH2-fea-logo.png "FEA Logo")](https://www.1031.org) SECURITIES DISCLOSURE Realized1031.com is a website operated by Realized Technologies, LLC, a wholly owned subsidiary of Realized Holdings, Inc. (“Realized Holdings”). Securities and/or Investment Advisory Services may be offered through Registered Representatives or Investment Advisor Representatives of Realized Financial, Inc. ("Realized"), a broker/dealer, member [FINRA](https://www.finra.org)/[SIPC](https://www.sipc.org/), and registered investment adviser. Realized is a subsidiary of Realized Holdings, Inc. ("Realized Holdings"). Check the background of this firm on [FINRA's BrokerCheck](https://brokercheck.finra.org/firm/summary/22333). Hypothetical example(s) are for illustrative purposes only and are not intended to represent the past or future performance of any specific investment. Investing in alternative assets involves higher risks than traditional investments and is suitable only for sophisticated investors. Alternative investments are often sold by prospectus that discloses all risks, fees, and expenses. They are not tax efficient and an investor should consult with his/her tax advisor prior to investing. Alternative investments have higher fees than traditional investments and they may also be highly leveraged and engage in speculative investment techniques, which can magnify the potential for investment loss or gain and should not be deemed a complete investment program. The value of the investment may fall as well as rise and investors may get back less than they invested. This site is published for residents of the United States who are accredited investors only. Registered Representatives and Investment Advisor Representatives may only conduct business with residents of the states and jurisdictions in which they are properly registered. Therefore, a response to a request for information may be delayed until appropriate registration is obtained or exemption from registration is determined. Not all of services referenced on this site are available in every state and through every representative listed. For additional information, please contact the Realized Compliance department at 512-472-7171 or info@realized1031.com. - [Terms & Conditions](https://www.realized1031.com/terms-and-conditions) - [Privacy Policy](https://www.realized1031.com/privacy-policy) - [Form CRS](https://www.realized1031.com/hubfs/common-files/disclosures/FormCRS.pdf) - [ADV 2A](https://www.realized1031.com/hubfs/common-files/disclosures/ADV2A.pdf) - [Reg BI Disclosures](https://www.realized1031.com/hubfs/common-files/disclosures/RegBI.pdf) -   © 2026 Realized Holdings, Inc. ```json { "@context" : "http://schema.org/", "@type" : "BlogPosting", "articleBody" : "Intimidation may be one of the most significant obstacles to adequate retirement planning. According to the Transamerica Retirement Survey (conducted in 2020 by the Harris Poll), 42 percent of Americans admit that their biggest concern is that they will outlive their retirement savings and investments. Yet, despite that fear, 68 percent of those surveyed either strongly or somewhat agreed that they were building an adequate nest egg for retirement. The concern may be due to worries about whether the investments are safe and will grow enough to provide the needed income. Where should investors allocate their savings? There are numerous valid approaches to retirement savings. However, for those workers with access to an employer-sponsored retirement account like a 401(k), that’s typically the right place to start. The reason is that many companies will match a percentage of the employee’s contribution, which is “free” money. For example, if you have a company-sponsored 401(k) account and divert 10 percent of your income to the account (subject to IRS limits on annual contributions), you start winning immediately. First, you are saving pre-tax dollars. For many people, this is an advantage since they expect their tax rate to be lower in retirement. If you think yours will be higher, you may want to consider a Roth conversion at some point. Second, if you allocate ten percent of your income to the 401(k) and your employer matches 50 percent of your contribution, you immediately earn a 50 percent return. (Not precisely immediately, since most employer contributions are subject to vesting periods, but without doing anything). Third, you can choose how to invest the funds. Most 401(k) accounts have a choice of several funds, often categorized by target retirement age or growth orientation. You can make it simple by selecting a fund designed to maximize the outcome for people retiring in the same year you intend. Or you can choose a fund that targets the allocation split you prefer, whether 80/20, 70/30, or something much more conservative. How do investors decide how to allocate their portfolios? Generally, investors typically want to maintain a balance between income pursuit and capital preservation. Where they are comfortable depends on their goals and risk appetite. Investors seeking higher returns may be willing to accept a higher risk level. It is unavoidable that investments with the potential for higher rewards carry the risk of loss. As a result, investors looking for appreciation may prefer a more substantial concentration in equities and less in fixed income. In contrast, investors concerned about not losing money may incline toward fixed income and put less or no capital in stocks. In addition to maintaining balance among asset classes, a retirement portfolio allocation strategy will incorporate diversity in stocks, sectors, and industries. For example, one asset allocation strategy is to move gradually from an aggressive (growth-oriented, concentrated in equities) approach to a more conservative approach (more investment in bonds and other fixed income instruments) as you age. Investors unsure of the best path for their portfolio may want to seek financial guidance. This material is for general information and educational purposes only. Information is based on data gathered from what we believe are reliable sources. It is not guaranteed as to accuracy, does not purport to be complete and is not intended to be used as a primary basis for investment decisions. Realized does not provide tax or legal advice. This material is not a substitute for seeking the advice of a qualified professional for your individual situation. Examples are hypothetical and for illustrative purposes only. Withdrawal strategies should take into account the investment objectives, financial situation and particular needs of the individual. Past performance is not a guarantee or indication of future results. All investments have an inherent level of risk. The value of your investment will fluctuate with the value of the underlying investments. You could receive back less than you initially invested and there is no guarantee that you will receive any income.", "articleSection" : [ "Retirement Income" ], "author" : { "@type" : "Person", "email" : "marketing@realized1031.com", "image" : "", "name" : "The Realized Team", "url" : "https://www.realized1031.com/blog/author/the-realized-team" }, "dateModified" : "2022-10-26T12:00:00+0000", "datePublished" : "2022-10-26T12:00:00+0000", "description" : "There are numerous valid approaches to retirement savings. However, for those workers with access to an employer-sponsored retirement account like a 401(k), that’s typically the right place to start. Read more about the different examples of retirement portfolios.", "headline" : "What are Examples of Retirement Portfolios?", "image" : { "@type" : "ImageObject", "height" : 393, "url" : "https://733513.fs1.hubspotusercontent-na1.net/hubfs/733513/is%20disability%20retirement%20income%20taxable%3F-924084404.jpg", "width" : 750 }, "mainEntityOfPage" : "https://www.realized1031.com/blog/what-are-examples-of-retirement-portfolios", "name" : "What are Examples of Retirement Portfolios?", "publisher" : { "@type" : "Organization", "address" : { "@type" : "PostalAddress", "addressCountry" : "USA", "addressLocality" : "Austin", "addressRegion" : "TX", "postalCode" : "78701", "streetAddress" : "500 W 13th Street " }, "logo" : { "@type" : "ImageObject", "height" : 60, "url" : "http://www.realized1031.com/hubfs/Images/Brand/Logo/Realized/Realized-Logo-Black-No-Margin-296x60-AMP.png", "width" : 296 }, "name" : "Realized" }, "thumbnailUrl" : "https://733513.fs1.hubspotusercontent-na1.net/hubfs/733513/is%20disability%20retirement%20income%20taxable%3F-924084404.jpg" } ```