Investing For Retirement: What Not to Worry About
Keep it happy in retirement.

Some things you shouldn't worry about in retirement. 

The nearly decade long bull market run has made some investors weary of a looming downturn. Even through a February market correction, Trump's tariff headwinds, and stronger inflation, the market is still up this year, albeit less so than last year. 

Those investing for the very long-term, or for retirement, keeping one eye on the prize and ignoring the noise can work rather well.

"The return is less important for what the market is retuning, it's your personal return," Robert Steen, CFP and Advice Director for Retirement and Complex Planning at USAA, told TheStreet.

Steen has some ideas as to how to execute that approach successfully.

While he said that having ones portfolio be at least 60% in equities is a "rule of thumb," he also recommends for investors who can stomach a little more risk an 80% or 90% equities weighted portfolio.

"Over time, that risk is mitigated by just the fact that you've been saving," he said. As investors continuously put slivers of their earnings away for retirement, cash flow in the retirement accounts usually won't be a huge issue. "You pick your percentage or what you can contribute, and just set that and let it go," he said. Plus, "You're investing when shares are fairly cheap," and "you're buying fewer shares when they're expensive."

Investors don't always need to find the slickest stock pickers out there that can put market returns to shame. "You can go out and by the cheapest S&P 500 ETF out there and that may be fine," he said, as the investor would mirror the performance of the broader market, which has a historical rate of return greater than the historical rate of inflation.

Yes, fees and taxes may eat a little bit into returns, but "the industry as a whole is taking that into consideration and there's been a tremendous movement towards the reduction of fees," Steen said. Recently, Fidelity made headlines by debuting two index mutual funds that charge zero fees.

A safer investor can do 50% stocks and 50% bonds, where the return won't mirror the stock market, but it can mirror the average return on that conservative portfolio, and still beat inflation. 

"Their return would be, if let's say they take two mutual funds that were replicated like the S&P total stock market, and then they could pick one bond fund, they would have a pretty general index. So they're total stock, which returns 8% historically and the bonds return 4% historical, they're total return would be 6%."

Now let's put that against historical inflation of 3%. It works. 

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