{"id":53798,"date":"2026-03-17T06:03:04","date_gmt":"2026-03-17T06:03:04","guid":{"rendered":"https:\/\/diyhaven858.wasmer.app\/index.php\/i-asked-gemini-what-retirees-invest-in-most-heres-the-4-point-list\/"},"modified":"2026-03-17T06:03:04","modified_gmt":"2026-03-17T06:03:04","slug":"i-asked-gemini-what-retirees-invest-in-most-heres-the-4-point-list","status":"publish","type":"post","link":"https:\/\/diyhaven858.wasmer.app\/index.php\/i-asked-gemini-what-retirees-invest-in-most-heres-the-4-point-list\/","title":{"rendered":"I Asked Gemini What Retirees Invest In Most \u2014 Here\u2019s the 4-Point List"},"content":{"rendered":"<p> <br \/>\n<\/p>\n<div>\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->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.<!-- HTML_TAG_END --><\/p>\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START --><strong>Read More: I Retired a Millionaire \u2014 The Best $30,000 I Ever Spent Preparing for Retirement<\/strong><!-- HTML_TAG_END --><\/p>\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START --><strong>Learn More: 5 Clever Ways Retirees Are Earning Up To $1K per Month From Home<\/strong><!-- HTML_TAG_END --><\/p>\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->So which assets do retirees invest in most? GOBankingRates asked Gemini that question, and it said that the typical retiree portfolio is broken down into the following four major categories.<!-- HTML_TAG_END --><\/p>\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->Also see five investment options commonly recommended for retirees.<!-- HTML_TAG_END --><\/p>\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->This is the largest segment for most retirees because it provides predictable payments. Here\u2019s a breakdown of the top fixed-income assets.<!-- HTML_TAG_END --><\/p>\n<ul class=\"yf-1p2hw41\">\n<li class=\"yf-1p2hw41\">\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START --><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.<!-- HTML_TAG_END --><\/p>\n<\/li>\n<li class=\"yf-1p2hw41\">\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START --><strong>Annuities.<\/strong> With annuities, retirees can essentially buy a \u201cguaranteed paycheck\u201d for life, which helps alleviate the fear of outliving their money.<!-- HTML_TAG_END --><\/p>\n<\/li>\n<li class=\"yf-1p2hw41\">\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START --><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.<!-- HTML_TAG_END --><\/p>\n<\/li>\n<\/ul>\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START --><strong>Check Out: This \u2018Boring\u2019 Investment Could Be the Secret to Never Running Out of Retirement Income<\/strong><!-- HTML_TAG_END --><\/p>\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->Retirees don\u2019t abandon the stock market entirely \u2014 but they do change how they approach it, favoring value stocks over growth stocks. Here are two popular categories among retirees.<!-- HTML_TAG_END --><\/p>\n<ul class=\"yf-1p2hw41\">\n<li class=\"yf-1p2hw41\">\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START --><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.<!-- HTML_TAG_END --><\/p>\n<\/li>\n<li class=\"yf-1p2hw41\">\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START --><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.<!-- HTML_TAG_END --><\/p>\n<\/li>\n<\/ul>\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->Gemini cited 2026 data showing that retirees in their 70s and 80s often hold 35% to 45% of their portfolio in cash or cash equivalents. 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.<!-- HTML_TAG_END --><\/p>\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->This category includes the following:<!-- HTML_TAG_END --><\/p>\n<ul class=\"yf-1p2hw41\">\n<li class=\"yf-1p2hw41\">\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START --><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.<!-- HTML_TAG_END --><\/p>\n<\/li>\n<li class=\"yf-1p2hw41\">\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START --><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.<!-- HTML_TAG_END --><\/p>\n<\/li>\n<\/ul><\/div>\n<div style=\"display: none\" data-testid=\"read-more\">\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->Here\u2019s a look at how retiree portfolios are typically broken down by age group, according to Gemini.<!-- HTML_TAG_END --><\/p>\n<div class=\"table-container yf-t4vsm6\">\n<table class=\"article-table yf-t4vsm6\">\n<tbody>\n<tr>\n<td data-testid=\"cell-0-0\">\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START --><strong>Asset Class<\/strong><!-- HTML_TAG_END --><\/p>\n<\/td>\n<td data-testid=\"cell-0-1\">\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START --><strong>Retirees (Age 65-75)<\/strong><!-- HTML_TAG_END --><\/p>\n<\/td>\n<td data-testid=\"cell-0-2\">\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START --><strong>Late Retirement (85-Plus)<\/strong><!-- HTML_TAG_END --><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td data-testid=\"cell-1-0\">\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->Stocks<!-- HTML_TAG_END --><\/p>\n<\/td>\n<td data-testid=\"cell-1-1\">\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->35% to 50%<!-- HTML_TAG_END --><\/p>\n<\/td>\n<td data-testid=\"cell-1-2\">\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->20% to 30%<!-- HTML_TAG_END --><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td data-testid=\"cell-2-0\">\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->Bonds<!-- HTML_TAG_END --><\/p>\n<\/td>\n<td data-testid=\"cell-2-1\">\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->30% to 40%<!-- HTML_TAG_END --><\/p>\n<\/td>\n<td data-testid=\"cell-2-2\">\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->20% to 30%<!-- HTML_TAG_END --><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td data-testid=\"cell-3-0\">\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->Cash\/CDs<!-- HTML_TAG_END --><\/p>\n<\/td>\n<td data-testid=\"cell-3-1\">\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->10% to 20%<!-- HTML_TAG_END --><\/p>\n<\/td>\n<td data-testid=\"cell-3-2\">\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->40% to 50%<!-- HTML_TAG_END --><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td data-testid=\"cell-4-0\">\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->Alternatives (Gold\/REITs)<!-- HTML_TAG_END --><\/p>\n<\/td>\n<td data-testid=\"cell-4-1\">\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->5%<!-- HTML_TAG_END --><\/p>\n<\/td>\n<td data-testid=\"cell-4-2\">\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->2%<!-- HTML_TAG_END --><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/div>\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->Charles Schwab recommended a slightly different asset spread based on the following age groups:<!-- HTML_TAG_END --><\/p>\n<ul class=\"yf-1p2hw41\">\n<li class=\"yf-1p2hw41\">\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START --><strong>Ages 60-69.<\/strong> Consider a \u201cmoderate\u201d portfolio of 60% stock, 35% bonds and 5% cash\/cash investments.<!-- HTML_TAG_END --><\/p>\n<\/li>\n<li class=\"yf-1p2hw41\">\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START --><strong>70-79.<\/strong> Moderately conservative (40% stock, 50% bonds, 10% cash\/cash investments).<!-- HTML_TAG_END --><\/p>\n<\/li>\n<li class=\"yf-1p2hw41\">\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START --><strong>80 and older.<\/strong> Conservative (20% stock, 50% bonds, 30% cash\/cash investments).<!-- HTML_TAG_END --><\/p>\n<\/li>\n<\/ul>\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START --><em>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.<\/em><!-- HTML_TAG_END --><\/p>\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START --><strong>More From GOBankingRates<\/strong><!-- HTML_TAG_END --><\/p>\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->This article originally appeared on GOBankingRates.com: I Asked Gemini What Retirees Invest In Most \u2014 Here\u2019s the 4-Point List<!-- HTML_TAG_END --><\/p>\n<\/p><\/div>\n<p><br \/>\n<br \/><a><\/p>\n","protected":false},"excerpt":{"rendered":"<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. Read More: I Retired a Millionaire \u2014 The Best $30,000 I Ever Spent [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":53799,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_daextam_enable_autolinks":"","jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[10],"tags":[441,3244,1607,443,2142],"class_list":["post-53798","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business-news","tag-corporate-bonds","tag-investment-options","tag-money-market-accounts","tag-municipal-bonds","tag-retirees"],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/diyhaven858.wasmer.app\/wp-content\/uploads\/2026\/03\/1ed481ab209184d44971f5ec312b4b6d.jpeg","jetpack_sharing_enabled":true,"jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/diyhaven858.wasmer.app\/index.php\/wp-json\/wp\/v2\/posts\/53798","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/diyhaven858.wasmer.app\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/diyhaven858.wasmer.app\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/diyhaven858.wasmer.app\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/diyhaven858.wasmer.app\/index.php\/wp-json\/wp\/v2\/comments?post=53798"}],"version-history":[{"count":0,"href":"https:\/\/diyhaven858.wasmer.app\/index.php\/wp-json\/wp\/v2\/posts\/53798\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/diyhaven858.wasmer.app\/index.php\/wp-json\/wp\/v2\/media\/53799"}],"wp:attachment":[{"href":"https:\/\/diyhaven858.wasmer.app\/index.php\/wp-json\/wp\/v2\/media?parent=53798"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/diyhaven858.wasmer.app\/index.php\/wp-json\/wp\/v2\/categories?post=53798"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/diyhaven858.wasmer.app\/index.php\/wp-json\/wp\/v2\/tags?post=53798"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}