How to Invest for a 30-Year Retirement with Kanish Chugh

Retirement is getting longer, markets are getting more volatile, and the old playbook of simply building a nest egg and drawing it down may need a rethink. PIMCO’s Head of ETF Sales, Kanish Chugh, joins us to unpack how investors can build portfolios designed to generate income for decades. We explore the role of bonds and defensive assets, sequencing risk, why chasing double-digit yields can come with hidden risks, and how your mix of growth, defensive assets & cash should evolve as your goals change.In this episode:00:00 Why a 30-year retirement changes the investing equation03:04 Living longer means rethinking your portfolio06:31 Can you live off income without selling investments?10:55 Moving from accumulation to spending16:25 Building the right growth and defensive mix19:11 The risks behind high advertised yields21:29 Bonds vs dividends for passive income31:33 Building your portfolio at every life stageStocks & ETFs Mentioned: Berkshire Hathaway (NYSE: BRK.B), S&P 500, Nasdaq 100 (ASX: NDQ), PIMCO Global Bond Fund (ASX: GBF), PIMCO Diversified Fixed Interest Fund (ASX: DFI)Investors should obtain a copy of the Product Disclosure Statement (PDS) relating to the PIMCO products mentioned in this podcast and consider the PDS before making any decision about whether to acquire an interest in any PIMCO fund mentioned in this podcast. PIMCO Australia has determined the target market for this product which is set out in the target market determination (TMD) published on the PIMCO website. The current PDS and TMD can be obtained via www.pimco.com/au/———Want to get involved in the podcast? Record a voice note or send us a messageAnd come and join the conversation in the Equity Mates Facebook Discussion Group.———Want more Equity Mates? Across books, podcasts, video and email, however you want to learn about investing – we’ve got you covered.Keep up with the news moving markets with our daily newsletter and podcast (Apple | Spotify)We’re particularly excited to share our latest show: Basis PointsListen to the podcast (Apple | Spotify)Watch on YouTubeRead the monthly email———Looking for some of our favourite research tools?Download our free Basics of ETF handbookOr our free 4-step stock checklistFind company information on TIKRResearch reports from Good ResearchTrack your portfolio with Sharesight———This podcast is intended for education and entertainment purposes only. Any advice is general advice and has not taken into account your personal financial circumstances. Before acting on general advice, you should consider if it is relevant to your needs. If unsure, speak to a financial professional. The host of this podcast and their guests may have positions in the companies mentioned. Equity Mates Media is part of the Betashares Group but maintains editorial independence and operates under Australian Financial Services licence 540697. Hosted on Acast. See acast.com/privacy for more information.