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Kiplinger

Business

Maurie Backman

Should Fully Funded Retirees Invest Like 30-Year-Olds?

Social Security United States

A smiling grandfather sits on a deck with his son and granddaughter.

Wealth Wise is Kiplinger's advice column on navigating retirement-related dilemmas. Got a question? See below for how to send it to us.

DEAR WEALTH WISE: My Social Security and pension cover all my expenses, so my sizable IRA and taxable brokerage accounts will be used for charity, gifts ($19,000 per heir annually), and eventual inheritance. Should I invest aggressively in my asset allocation model based on my heirs' ages, since, in essence, I'm investing for what they'll eventually receive? — Passing It Down.

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