{"id":387216,"date":"2026-03-16T01:46:10","date_gmt":"2026-03-16T01:46:10","guid":{"rendered":"https:\/\/www.europesays.com\/ie\/387216\/"},"modified":"2026-03-16T01:46:10","modified_gmt":"2026-03-16T01:46:10","slug":"where-do-retirees-put-their-money-most","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/ie\/387216\/","title":{"rendered":"Where Do Retirees Put Their Money Most?"},"content":{"rendered":"<p>                    <img src=\"https:\/\/www.europesays.com\/ie\/wp-content\/uploads\/2026\/03\/9-senior-thinking-shutterstock_319149401.jpg\" class=\"attachment-full size-full wp-post-image main-post-image\" alt=\"Senior thinking about his finances, investments, retirement plans and other money considerations.\" decoding=\"async\" fetchpriority=\"high\" \/>                <\/p>\n<p>\n                    \u00a9Shutterstock.com                <\/p>\n<p>Commitment to Our Readers<\/p>\n<p class=\"Font--Poppins Font--Body-l\">GOBankingRates&#8217; editorial team is committed to bringing you unbiased reviews and information. We use data-driven methodologies to evaluate financial products and services &#8211; our reviews and ratings are not influenced by advertisers. You can read more about our <a href=\"https:\/\/www.gobankingrates.com\/about\/editorial-guidelines\/\" rel=\"nofollow noopener\" target=\"_blank\">editorial guidelines<\/a> and our products and services <a href=\"https:\/\/www.gobankingrates.com\/about\/review-methodology\/\" rel=\"nofollow noopener\" target=\"_blank\">review methodology<\/a>.<\/p>\n<p><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/cdn.gobankingrates.com\/wp-content\/uploads\/2023\/11\/icon-20.svg?webp=1&amp;quality=75\" alt=\"\" class=\"wp-image-1994546\"\/><\/p>\n<p class=\"Font--Poppins Font--Body-l\"><strong>20 Years<\/strong><br \/>Helping You Live Richer<\/p>\n<p><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/cdn.gobankingrates.com\/wp-content\/uploads\/2023\/11\/icon-experts-review.svg?webp=1&amp;quality=75\" alt=\"\" class=\"wp-image-1989830\"\/><\/p>\n<p><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/cdn.gobankingrates.com\/wp-content\/uploads\/2023\/11\/icon__trusted.svg?webp=1&amp;quality=75\" alt=\"\" class=\"wp-image-1994547\"\/><\/p>\n<p class=\"Font--Poppins Font--Body-l\"><strong>Trusted by<\/strong> <br \/>Millions of Readers<\/p>\n<p>When people hit retirement age, they typically move their financial focus from accumulating wealth to preserving it. In recent years, this trend has leaned heavily toward safe, income-generating assets that provide a hedge against inflation while also helping retirees pay the bills.<\/p>\n<p>So which assets do retirees <a href=\"https:\/\/www.gobankingrates.com\/investing\/funds\/how-to-invest-in-bonds-mutual-funds-and-etfs\/\" data-is-dynamic-hyperlink=\"false\" data-link-type=\"first-link\" data-link-position=\"1\" rel=\"nofollow noopener\" target=\"_blank\">invest<\/a> in most? GOBankingRates asked Gemini that question, and it said that the typical retiree portfolio is broken down into the following four major categories.<\/p>\n<p>Also see <a href=\"https:\/\/www.gobankingrates.com\/retirement\/planning\/what-boomers-should-always-begrudgingly-buy-in-retirement\/\" data-is-dynamic-hyperlink=\"false\" data-link-type=\"money-link\" data-link-position=\"2\" rel=\"nofollow noopener\" target=\"_blank\">five investment options commonly recommended for retirees<\/a>.<\/p>\n<p>Fixed-Income Assets \u00a0<\/p>\n<p>This is the largest segment for most retirees because it provides predictable payments. Here\u2019s a breakdown of the top <a href=\"https:\/\/www.gobankingrates.com\/investing\/strategy\/best-fixed-income-investments\/\" data-is-dynamic-hyperlink=\"false\" data-link-position=\"3\" data-link-type=\"incontent_link\" rel=\"nofollow noopener\" target=\"_blank\">fixed-income assets<\/a>.<\/p>\n<ul class=\"wp-block-list\">\n<li><strong>Bonds.<\/strong> This category includes U.S. Treasurys, municipal bonds and corporate bonds. Many retirees use bond ladders to ensure that a bond matures every year to provide cash.<\/li>\n<li><strong>Annuities.<\/strong> With annuities, retirees can essentially buy a \u201cguaranteed paycheck\u201d for life, which helps alleviate the fear of outliving their money.<\/li>\n<li><strong>Certificates of deposit (CDs) and money market accounts.<\/strong> In 2026, many retirees are keeping significant portions of their \u201csafe\u201d money in high-yield savings accounts and certificates of deposit to earn 4% to 5% interest.<\/li>\n<\/ul>\n<p>Dividend-Paying Stocks<\/p>\n<p>Retirees don\u2019t abandon the stock market entirely \u2014 but they do change how they approach it, favoring value stocks over <a href=\"https:\/\/www.gobankingrates.com\/investing\/stocks\/growth-stocks-invest-in-now\/\" data-is-dynamic-hyperlink=\"false\" data-link-position=\"4\" data-link-type=\"incontent_link\" rel=\"nofollow noopener\" target=\"_blank\">growth stocks<\/a>. Here are two popular categories among retirees.<\/p>\n<ul class=\"wp-block-list\">\n<li><strong>Dividend Aristocrats.<\/strong> These are blue chip companies, often in the S&amp;P 500, that have increased their dividends for 25 or more consecutive years.<\/li>\n<li><strong>Real estate investment trusts (REITs). <\/strong>These allow retirees to invest in real estate without the headache of being active landlords. These investments are legally required to pay out 90% of their taxable income to shareholders as dividends.<\/li>\n<\/ul>\n<p>Cash and Liquid Reserves<\/p>\n<p>Gemini cited 2026 data showing that retirees in their 70s and 80s often hold 35% to 45% of their portfolio in <a href=\"https:\/\/www.gobankingrates.com\/retirement\/income-and-withdrawals\/what-percent-of-your-portfolio-should-be-in-cash\/\" data-is-dynamic-hyperlink=\"false\" data-link-position=\"5\" data-link-type=\"incontent_link\" rel=\"nofollow noopener\" target=\"_blank\">cash or cash equivalents<\/a>. These funds are used to cover two to three years\u2019 worth of living expenses so retirees don\u2019t have to sell stocks during a market crash.<\/p>\n<p>Specialized Health and Inflation Hedges<\/p>\n<p>This category includes the following:<\/p>\n<ul class=\"wp-block-list\">\n<li><strong>Treasury Inflation-Protected Securities (TIPS). <\/strong>These bonds are popular among retirees because their principal value increases with inflation. Another advantage is that they\u2019re backed by the creditworthiness of the federal government, making them a safe investment.<\/li>\n<li><strong>Health savings accounts (HSAs).<\/strong> For retirees who haven\u2019t spent them yet, HSAs are treated as \u201csuper-IRAs\u201d to pay for rising healthcare costs tax-free.<\/li>\n<\/ul>\n<p>Average Portfolio Mix by Age (2026 Estimates)<\/p>\n<p>Here\u2019s a look at how retiree portfolios are typically broken down by age group, according to Gemini.<\/p>\n<tr>\n<td><strong>Asset Class<\/strong><\/td>\n<td><strong>Retirees (Age 65-75)<\/strong><\/td>\n<td><strong>Late Retirement (85-Plus)<\/strong><\/td>\n<\/tr>\n<tr>\n<td>Stocks<\/td>\n<td>35% to 50%<\/td>\n<td>20% to 30%<\/td>\n<\/tr>\n<tr>\n<td>Bonds<\/td>\n<td>30% to 40%<\/td>\n<td>20% to 30%<\/td>\n<\/tr>\n<tr>\n<td>Cash\/CDs<\/td>\n<td>10% to 20%<\/td>\n<td>40% to 50%<\/td>\n<\/tr>\n<tr>\n<td>Alternatives (Gold\/REITs)<\/td>\n<td>5%<\/td>\n<td>2%<\/td>\n<\/tr>\n<p><a href=\"https:\/\/www.schwab.com\/learn\/story\/what-should-your-retirement-portfolio-include\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Charles Schwab<\/a> recommended a slightly different asset spread based on the following age groups:<\/p>\n<ul class=\"wp-block-list\">\n<li><strong>Ages 60-69.<\/strong> Consider a \u201cmoderate\u201d portfolio of 60% stock, 35% bonds and 5% cash\/cash investments.<\/li>\n<li><strong>70-79.<\/strong> Moderately conservative (40% stock, 50% bonds, 10% cash\/cash investments).<\/li>\n<li><strong>80 and older.<\/strong> Conservative (20% stock, 50% bonds, 30% cash\/cash investments).<\/li>\n<\/ul>\n<p>Editor\u2019s note: This article is for informational purposes only and does not constitute financial advice. Investing involves risk, including the possible loss of principal. Always consider your individual circumstances and consult with a qualified financial advisor before making investment decisions.<\/p>\n","protected":false},"excerpt":{"rendered":"\u00a9Shutterstock.com Commitment to Our Readers GOBankingRates&#8217; editorial team is committed to bringing you unbiased reviews and information. We&hellip;\n","protected":false},"author":2,"featured_media":387217,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_share_on_mastodon":"0"},"categories":[177],"tags":[79,18,5267,19,3442,17,234,235,16821],"class_list":["post-387216","post","type-post","status-publish","format-standard","has-post-thumbnail","category-personal-finance","tag-business","tag-eire","tag-gobankingrates","tag-ie","tag-investing","tag-ireland","tag-personal-finance","tag-personalfinance","tag-strategy"],"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@ie\/116236332869452259","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/ie\/wp-json\/wp\/v2\/posts\/387216","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/ie\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/ie\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/ie\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/ie\/wp-json\/wp\/v2\/comments?post=387216"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/ie\/wp-json\/wp\/v2\/posts\/387216\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/ie\/wp-json\/wp\/v2\/media\/387217"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/ie\/wp-json\/wp\/v2\/media?parent=387216"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/ie\/wp-json\/wp\/v2\/categories?post=387216"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/ie\/wp-json\/wp\/v2\/tags?post=387216"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}