These discussion pieces highlight some of the key pages in the Guide to Retirement and provide important talking points to client conversations around relevant retirement and investment themes.
Download the Guide
Managing volatility in retirement
Explore various strategies for managing volatility in retirement portfolios: diversification, alternatives, and the need to address both immediate and long-term needs.
Withdrawing assets during volatile markets early in retirement can ravage a portfolio
Don't assume steady annual returns when planning withdrawals. A combination of market losses and fund redemptions early in retirement can deplete assets sooner than expected.
Retirement plans should account for "sequence of return" risk - the risk of tapping into investment early in retirement during negative markets.
One possible solution is to enter retirement with a broadly diversified portfolio that seeks to avoid large losses in down years.