Retirement Portfolio – The Simply Retirement Podcast

Investing in Retirement – Part 3: The Building Blocks of Your Retirement Portfolio (Ep. 82)

By The Simply Retirement Podcast | December 10, 2025

Investing in retirement requires a completely different mindset, one focused on income, not just preservation.

In this episode, I continue our Seven Strategies for Successful Investing in Retirement series by explaining Strategy #4: Understanding the Role of Stocks in Retirement, and Strategy #5: The Value of Dividend Growth Investing.

Together, these two approaches show how stocks can generate sustainable income and growth throughout your retirement years.

Key Takeaways:

Why stocks shouldn’t be viewed like gambling, and what their long-term record actually shows
How a balanced stock and bond mix can fuel income growth over decades
The real-world power of dividends to combat inflation and support retirement income
Why reacting emotionally during market downturns often hurts long-term outcomes
How dividend growth investing can provide ongoing income, compounding, and stability
And more!

Resources:

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The S&P 500 Index is an unmanaged index of 500 large U.S. companies. It is not possible to invest directly in an index. Index returns do not include fees or expenses.

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Investing in Retirement – Part 2: Changing the Way You Think About Retirement (Ep. 81)

By The Simply Retirement Podcast | December 3, 2025

What if the way you’ve been told to protect your money in retirement is actually putting your future at risk?

In this episode, I continue our series on the seven essential strategies for successful investing in retirement. We tackle one of the most misunderstood aspects of retirement planning, defining the real purpose of your portfolio and reframing how you think about risk. This conversation is designed to shift your perspective from fear and preservation to growth and resilience.

Key takeaways include:

Why “not running out of money” and “preserving principal” are often conflicting goals
The impact of inflation and longevity on retirement income needs
A real-life story about my grandmother’s retirement and long-term care costs
How the financial crisis illustrates the value of having a retirement “war chest”
Risk in retirement as “years of income” rather than portfolio percentages
And more!

Resources:

Data References:

Average Life Expectancy at Birth (U.S.)

Across all demographics, the average life expectancy at birth in the U.S. is in the late 70s.
Source: Centers for Disease Control and Prevention (CDC), National Vital Statistics Reports

Inflation & Purchasing Power
- Historical U.S. inflation has averaged around 3% over the long term.
- Source: U.S. Bureau of Labor Statistics CPI Inflation Calculator
2008 Portfolio Decline (70/30 Portfolio)
- A 70% stock / 30% bond portfolio declined approximately 24% during the Great Financial Crisis (calendar year 2008).
- Source: Can Your Retirement Portfolio Survive a Stock Market Crash? Here’s How to Tell
Great Financial Crisis Recovery Timeline
- Source: The S&P 500 at Your Fingertips

Connect with Eric Blake:

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