# The pension debate : Hold cash or invest everything

Page: https://stenobird.com/podcast/the-rest-is-retirement-7049082/the-pension-debate-hold-cash-or-invest-everything
Text version: https://stenobird.com/podcast/the-rest-is-retirement-7049082/the-pension-debate-hold-cash-or-invest-everything.md
Podcast: [The Rest is Retirement](https://stenobird.com/podcast/the-rest-is-retirement-7049082)
Published: 2026-01-22T11:45:22+00:00
Episode link: https://rss.com/podcasts/time2retire/2477222
Audio file: https://content.rss.com/episodes/294328/2477222/time2retire/2026_01_22_11_40_40_004008a5-1f2a-4df7-9b58-3f3648f959a4.mp3
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JSON: https://stenobird.com/v1/public/podcasts/the-rest-is-retirement-7049082/episodes/the-pension-debate-hold-cash-or-invest-everything
Duration seconds: 772

## Resource

Original video https://youtu.be/iXhUm4I0zXM I break down my personal pension portfolio strategy, using the well-known three bucket method for effective retirement planning. This approach emphasizes maintaining cash equivalents, like money market funds, in the first bucket. I also touch on differing views regarding holding cash as part of an overall investment strategy. I am not a financial advisor and any content on this channel should not be taken as financial advice. If you invest you may lose your capital.

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## Transcript

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