Karen Schwok recently discussed this on a podcast with Yonatan Brand (כסף חכם) and she believes it’s time to challenge some of the traditional investment models.
We've all been taught that as we get closer to retirement, we should shift to a lower-risk portfolio—but does that strategy still make sense today?
Traditionally, reducing risk before retirement was based on two key assumptions:
🔹 You’ll need to withdraw most of your portfolio to cover living expenses.
🔹 Market downturns could severely impact your financial security.

But today’s reality is different:
🔹 Life expectancy has significantly increased over the past 20–30 years.
🔹 Most people have an income stream that covers daily expenses. They may need to supplement their income, but they are not necessarily relying on their entire portfolio for survival. Cashflow is key.
🔹 Being too conservative can increase risk — if your investments don’t keep up with inflation, you might outlive your money.

How much do we actually need? Instead of de-risking our entire portfolio, we should ask: What portion do I need for myself, and what portion is intended for my children or grandchildren?

This brings us to the Bucket List Approach:
Bucket 1: For personal needs—managed conservatively.
Bucket 2: For children—invested with a longer horizon in mind.
Bucket 3: For grandchildren—designed for long-term growth.
The key is not transferring assets today but managing them strategically across different timeframes.

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Interview of Karen Schwok (קארן שווק): 
Gold is among the best performing assets this year at >10%.
Karen had the opportunity to discuss with Sami Peretz the factors driving the rise in gold prices:

• Rising fiscal debt and geopolitical tensions are fueling investor demand for safe havens like gold.

• Central banks diversifying USD reserves into gold.

• Tariffs and inflation fears pushing investors to seek stability in gold.

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View full interview 

Karen Schwok, Founder and CEO at Lucid Investments had the opportunity to share her thoughts on the economic impact of the current political developments at i24news (French edition).

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In the aftermath of the current political upheaval, many Israeli entrepreneurs are contemplating setting up entities abroad to mitigate the risks associated with exposing investors to a judicial system lacking oversight and protection. The consequences of this situation pose a clear and present danger to the Israeli economy

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​Gold has emerged as one of the top-performing assets in the last 12 months, showing growth of over 45%.

Karen Schwok had the pleasure to discuss with Lee Sover on the Economy Channel (tv10israel).  about the key drivers behind the surge in gold prices.
Here are the main factors we explored:

- The increasing fiscal debt and geopolitical uncertainties are prompting investors to turn to safe-haven assets like gold.
- Central banks are strategically diversifying their USD reserves by incorporating more gold.
- Concerns over tariffs and inflation are pushing investors towards the stability offered by gold.

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In these intense and fascinating times for the American—and global—economy, investors are grappling with the short-term financial implications of the U.S. administration’s latest initiatives, coupled with mounting instability across Europe. What does it all mean, and what’s likely ahead? Karen shared her thoughts on these pressing issues on the New Economy Channel . 

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As Covid-19 will most probably still be part of our lives in the next few months  and stocks continue to break records, interest rates are still low, and inflation is starting to increase - what should investors do with their funds? ■ We turned to some experts, financial planners at Family Office companies, who manage the investments and savings of wealthy families in Israel, and asked them how it is worthwhile for an ordinary Israeli family to plan their economic future ■ They have seven tips for you

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View full article (HE)

​Karen Schwok recently had the opportunity to discuss the challenges Israeli investors face in wealth management and wealth transmission on Market Makers - IL, a new financial podcast hosted by Joseph Wolf and Michael Dadoun (EFG Bank).

We delved into a fascinating discussion on why Swiss banks have been so interested in the Israeli market and how it has evolved over the years.

Listen to full podcast

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​Grateful and humbled to be recognized by LinkedIn as a top voice in the Finance Community. Thank you for this acknowledgement and for the amazing insights shared by our incredible community. Let's continue to inspire and empower one another on this journey ​

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Earlier this week, Karen Schwok, Founder and CEO at Lucid Investments had the pleasure to lecture at the yearly Wealth Planning Conference organized by the Israel Bar Association.

She reviewed the various trends in the Wealth Management industry and their implications in terms of Wealth Planning.