About Retirement and Investment Strategies

Most retirees spend years saving and growing their retirement funds, only to come up short when it comes time to start withdrawing from them. The key to keeping your savings from running out is adjusting your investment strategy as you move from an accumulation to decumulation mindset.

Retirement and Investment Strategies maximizing returns is important, protecting your assets holds equal priority. To accomplish that, you can limit your exposure to stock market volatility through a more conservative asset allocation. For example, a common guideline suggests that investors over the age of 70 should have 70% of their portfolio in bonds.

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Another factor to consider is the impact of inflation on your purchasing power. Even a modest increase can significantly reduce the buying power of a fixed income stream. To counter that, you can consider investments like real estate syndications that provide passive, predictable cash flow and may be able to keep pace with inflation.

You can also minimize the impact of inflation by taking steps to reduce new debt and pay down existing debt before retiring. This can free up more of your retirement funds to invest and help you save money on interest payments that would otherwise eat into your spending potential.