The Bucket Drawdown Plan for Retirement
A Strategy to Make Your Money Last—and Your Retirement Feel Secure
Retirement should be a time of freedom—not financial stress. But for many, it’s filled with questions: Will my money last? What happens if the market drops? Can I count on a steady income year after year?
You’ve worked hard to save, and now it’s time for that money to work for you—with a strategy that provides more than numbers. It provides peace of mind.
At Affluent Wealth Management, we use a smart, multi-bucket approach to help you turn your savings into dependable income—month after month, year after year. By dividing your retirement assets into purpose-driven buckets and rebalancing them every 1–3 years, we help reduce risk, smooth out the ups and downs of the market, and give you the confidence to truly enjoy the life you’ve earned.
Four buckets. One steady cash flow plan. Your retirement, on your terms.
Bucket 1: Your Personal Pension — Guaranteed Income for Life
You deserve the comfort of knowing you’ll never miss a paycheck in retirement. This bucket is about stability—creating your own personal pension to provide guaranteed income for life. It’s the foundation of your retirement, giving you the peace of mind that your essential expenses are covered, no matter what the market is doing.
When the world feels uncertain, this bucket helps you stay grounded.
Bucket 2: Safe Short-Term Growth — Income for Today
This is your go-to cash flow source designed to give you another consistent stream of income over the next 1–3 years without taking unnecessary risks. Whether it's travel, hobbies, or grandkids, this bucket helps you enjoy retirement without stress.
Life doesn’t pause for the markets—and neither should your income.
Bucket 3: Conservative Growth—Income for Tomorrow
Looking out 4–7 years, this bucket focuses on keeping your assets growing and keeping up with inflation while still managing risk. It’s your bridge between now and later. This is for building up future income while giving your more aggressive investments time to recover if needed.
It’s the bucket that says, “You’re taken care of—not just today, but tomorrow too.
Bucket 4: Moderate Growth — Income for the Long Haul
Retirement can last 20–30 years or more—and this bucket helps your money keep up. With a longer-term outlook of 8-10 years, this portion of your portfolio focuses on more moderate and strategic growth so you can keep refueling the other buckets over time and keep up with inflation.
This is how you make sure your retirement doesn’t just last—but thrive.
You’ve worked hard to build your savings—now it’s time to put it to work with a plan designed for confidence, cash flow, and peace of mind. Let’s talk about building your custom income strategy today.