你对退休风险定义的改变
在你积累的岁月里, 你可能已经把你的风险归类为“保守”,”“温和,” or “aggressive” and that guided how your portfolio was built. Maybe you concerned yourself with finding the “best-performing funds,” even though you knew past performance does not guarantee future results.
What occurs with many retirees is a change in mindset—it’s less about finding the “best-performing fund” and more about consistent performance. It may be less about a risk continuum—that stretches from conservative to aggressive—and more about balancing the objectives of maximizing your income and sustaining it for a lifetime.
You may even find yourself willing to forego return potential for steady income.
A change in your mindset may drive changes in how you shape your portfolio and the investments you choose to fill it.
Let’s examine how this might look at an individual level.
仍然相信
在工作期间, you understood the short-term volatility of the stock market but accepted it for its growth potential over longer time periods. You’re now in retirement and still believe in that concept. 事实上, you know stocks remain important to your financial strategy over a 30-year or more retirement period.¹
But you’ve also come to understand that withdrawals from your investment portfolio have the potential to accelerate the depletion of your assets when investment values are declining. 你如何定义你的风险承受能力可能没有改变, but you understand the new risks introduced by retirement. 因此, 这并不是关于管理你的股票敞口, but considering new strategies that adapt to this new landscape.¹
转移风险
For instance, it may mean that you hold more cash than you ever did when you were earning a paycheck. It also may mean that you consider investments that shift the risk of market uncertainty to another party, 比如AG捕鱼王在线app下载公司. 许多退休人员选择年金正是出于这个原因.
The guarantees of an annuity contract depend on the issuing company’s claims-paying ability. 年金有合同限制, 费用, 和费用, 包括帐费和管理费, 基础AG捕鱼王新版app下载管理费, 死亡率和费用, 以及可选福利的收费. Most annuities have surrender 费用 that are usually highest if you take out the money in the initial years of the annuity contract. Withdrawals and income payments are taxed as ordinary income. 如果在59岁半之前提款, a 10% federal income tax penalty may apply (unless an exception applies).
The march of time affords us ever-changing perspectives on life, 这一点在退休时尤为明显.
1. Keep in mind that the return and principal value of stock prices will fluctuate as market conditions change. And shares, when sold, may be worth more or less than their original cost.This is a hypothetical example used for illustrative purposes only.
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