What’s the Best Way for Retirees to Invest Their Nest Egg?

via Wall Street Journal

The nest egg is under pressure. People are living longer—sometimes a lot longer—at a time when their ability to comfortably support themselves has never seemed more at risk.

So the big question for retirees, or for those about to retire, is a simple one: How do you make sure your savings last as long as you do?

Two familiar strategies have pushed to the front of ideas about how to secure a steady and lasting stream of income in retirement, a stream that ideally would even grow. One is known as total-return investing, or balancing your investment allocations in a traditionally diversified portfolio—seeking income but also asset appreciation. That approach, its advocates say, in the long run reduces a retiree’s exposure to market volatility and risk.

The other approach is income investing, a strategy that focuses on stable, income-producing investments—such as bonds and equities with healthy dividends—and places less emphasis on asset appreciation and capital gains…

To read the full WSJ Article CLICK HERE

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About thebenefitblog

Eric is a Producer at Lockton Insurance Brokers, Inc., the world’s largest privately held commercial broker. Eric has over 23 years of experience in the insurance industry and has spent the last 11 years with Lockton. Eric specializes in Health & Welfare Benefits, Retirement Planning, and Executive Benefits. Eric's clients utilize his expertise in the areas of Plan Due Diligence, Transaction Structure, Fiduciary Oversight, Investment Design, Compliance and Vendor negotiation to improve the operational & financial outcome for each client. The Benefit Blog is a place to share that expertise and industry news.
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