How I Would Invest $1,000,000 if Retiring at 62 #finance #wealth #money #tylergardner

Ajouté : 2026-06-02

[00:00:00]Here's exactly how I'd invest $1,000,000 if I retired at 62 and needed it to last till 85. I'm Tyler, I'm a former financial advisor and portfolio manager.

[00:00:08]Now, I make financial content for free, so you don't have to pay for it. Number one, first figure out what you actually spend, not what you think you spend, what you actually spend. Say it's 80,000 bucks a year. Number two, now take 18 months of that and set it aside in a money market fund like Fidelity's SPAXX or Vanguard's VMFXX. That's 120,000 earning around 3.5% guaranteed short-term securities. Number three, the remaining 880,000 goes into a total stock market fund like Vanguard's VTI because over a 23-year time horizon, your biggest risk is not volatility.

[00:00:39]It's playing it too safe with bonds that don't outpace inflation. Number four, now draw down about 6% per year from VTI. That's roughly 52,800 bucks. And if your total taxable income stays under the right thresholds, you can pay 0% in long-term capital gains tax. You heard me. Number five, now layer on the social security that I'd take at 62. Even at reduced benefit, that's around 20 500 bucks a month. Another 30,000 a year I don't have to pull from my portfolio.

[00:01:03]Number six, gives me a total annual income of just over 82,000 bucks. Plus, there's a cash cushion sitting there for market downturns, medical surprises, or whatever your grandkids talk you into funding at Thanksgiving. You don't need 10 million bucks. You need a plan and the discipline to follow it. If any of this is helpful, sign up for my free weekly newsletter by clicking the link in my bio. And each week I'll send you over another money playbook that actually works.