100% In Stocks? Why Paying Off Debt Might Be Your First Move
Seeking Alpha
February 14, 2026
AI-Generated Deep Dive Summary
The article challenges traditional retirement strategies by highlighting the risks of relying heavily on bonds post-2022. With rising interest rates, bonds have failed to provide the expected stability for many retirees, underscoring the importance of rethinking investment approaches. Instead of focusing solely on bonds or equities, the piece suggests a balanced strategy inspired by Warren Buffett’s 90/10 model, which emphasizes equities and liquidity over heavy bond exposure.
A key takeaway is the role of cash in mitigating sequence risk—a phenomenon where poor market timing can deplete retirement savings. By holding cash reserves, retirees can avoid selling stocks during market downturns, preserving their portfolio’s value. Additionally, paying off high-interest debt or
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Originally published on Seeking Alpha on 2/14/2026