A bucket strategy for retirement looks incredibly simple in the abstract. Just set up your three buckets--cash (1), bonds (2), and stock (3)--then happily spend your way through a long retirement.
Alas, real-life bucket portfolios can get a little messy. For one thing, most of us don’t bring a single mega-portfolio into retirement. Thanks to the tax laws, we’re managing our money across various silos: tax-deferred, taxable, and TFSA. You can’t just merge all of those accounts together in retirement, and nor would you necessarily want to, because some of them receive more-favorable tax treatment than others.
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