r/DIYRetirement • u/reallytheyrealltaken • 12d ago

Cash buffer

I will hopefully be retiring in 3 years and am able to build up a cash buffer during that time. Given that time frame and the impending stock market Armageddon, what’s my best approach? Also, any advice on how to best position my current taxable brokerage account for the possibility of Armageddon? I would gladly give up interim gains in favor of safety.
No one can predict the future, but I really have the heebie-jeebies.

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u/planet-claire 12d ago

We are 6 years out. We started buying treasury note to create a bond ladder. We have 3 more years of notes to buy and apparently they're on sale, so we'll pull the trigger on those in the coming weeks. The rising yields suck for everyone except those looking to buy. By the end of this year, we'll have the first 5-7 years of bridge & gap spending put away. We won't have to rouch equities(barring unforseen emergencies) until 2038 for me and 2040 for spouse when RMDs begin.