Core Insights - As retirement approaches, reallocating a 401(k) is essential for balancing growth, income, and risk to ensure savings last through retirement [1][2] - Investors in their 50s are shifting from aggressive saving to strategies that protect their savings while supporting a sustainable withdrawal rate [1][2] Risk Assessment and Financial Needs - At age 55, risk tolerance typically declines, but the need for growth remains to outpace projected inflation of 2.6% annually by 2026 [4] - Evaluating comfort with market volatility is crucial, as well as considering the size of the 401(k), other assets, and expenses [5] - A conservative approach is viable if a 4% withdrawal rate covers living costs, such as $40,000 annually from a $1 million portfolio [5] Investment Strategy - A common guideline for asset allocation for a 55-year-old is 55% in stocks and 45% in bonds, with stocks historically averaging 7% real returns since 1928 and bonds yielding about 4% [3][7] - Target-date funds can automatically adjust allocations to become more conservative as retirement nears [3] - Reallocating a 401(k) should be gradual to avoid locking in losses or missing growth opportunities [7]

Core Insights - The iShares Core 30/70 Conservative Allocation ETF primarily invests in fixed-income ETFs, allocating 70% of its assets to these investments, making it suitable for conservative investors [1][5][6] - The ETF has shown resilience in a volatile equity market, with a year-to-date return of 16.6% through December 3, despite challenges such as high prices and a weakening job market [1][2] Fund Composition - The ETF consists of several underlying ETFs, with the iShares Core Universal USD Bond ETF holding the largest weighting at over 59% as of November 28 [3] - Other significant allocations include the iShares Core S&P 500 ETF Trust at 17.3%, the iShares Core International Aggregate Bond ETF at 10.5%, and the iShares Core MSCI International Developed Markets ETF at 8.2% [3] Financial Metrics - The current price of the ETF is $40.46, with a market cap of $0 billion and a trading range between $35.79 and $40.83 over the past 52 weeks [5] - The ETF has a low expense ratio of 0.15%, which is advantageous for investors seeking higher returns [6]