Bear Mountain Capital Inc.

A new type of “bucket” list?

| August 20, 2013


Clients have been listening to us discuss the record low interest rate environment and what it means for the future of their investments. Interest rate declining since the 70’s have fueled economic expansion, equity returns and bond returns alike. However, rates cannot decrease below zero, and if you have a savings account, you know we are near zero.

This article highlights how clients who need to live off their investments can organize the way they think about their portfolio so it meets near-term, intermediate-term and long-term income and growth needs. To be sure, this is how we think about our clients portfolios when constructing a well-diversified portfolio, whether they are relying on income from it now, or not: