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Hamptons.com
May 6, 2021

Ready To Play Defense With Your Retirement Savings?

Rocco A. Carrieroby Rocco A. Carriero
in Uncategorized

For most investors, it’s no surprise that markets are subject to up-and-down fluctuations over time. And if you are investing with a long-term perspective, it’s pretty common for your portfolio to experience temporary declines in value. Given enough time, markets generally have shown an ability to overcome losses and help investors continue to accumulate wealth.

However, managing market declines is different if you are nearing or in retirement. Chances are your 401(k), 403(b) or other type of workplace savings plan represents one of your largest financial assets. You want to make sure a sudden market downturn doesn’t put you in a difficult position.

It takes time to recover from losses

While much of our focus tends to be on news about stock markets performing well, the fact is that for investors, avoiding large losses can make a real difference. This is why many investors focus on determining their risk tolerance level and building a well-diversified mix of assets that reflects their risk preferences. As you grow older, you likely may want to reevaluate your investment risk. That’s because negative markets can be a lot more difficult to overcome if you are almost retired or you are already tapping your savings to meet current income needs.

Consider these examples that show what happens if there’s a market decline at the same time you are withdrawing five percent of the portfolio’s principal to meet retirement income needs:

  • If your portfolio sustains a loss of 20 percent from a combination of investment declines and portfolio withdrawals, your portfolio will need to earn a 33 percent return to overcome that loss in the following year.

  • The challenge intensifies with a larger loss. If your portfolio loses 35 percent in total, it would take a 67 percent return in the next year to regain that lost ground.

    This points to the importance of modifying risk in your workplace savings plan later in life, as you close in on the time when you need to count on that pool of money for income.

    What to do before or during retirement

    If you don’t have time on your side – i.e., you are within five years of retirement or already retired and drawing down your assets, make a priority of reviewing the level of risk in your portfolio. That may mean reducing your holdings of equities within your broader asset mix.

    Yet stocks may still need to play a role. Given the realities that your retirement may extend for two-to-three decades or longer, you need to put your portfolio in a position to grow, even modestly, to help meet income needs over that span of time. Depending on your views on risk, the stock component may represent 50 percent or less of your asset mix. You’ll likely want to consider increasing your holdings of fixed income, alternative investments, and cash to help mitigate the impact of short-term stock market swings.

    The reality for most is that investing gets more complicated later in life. Talk to your financial advisor about how best to position your 401(k) or 403(b) portfolio to protect your long-term financial security.

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    • It’s Mother’s Day Weekend! ⁠
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💎 Jen Proudman Jewelry Pop-Up⁠
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🍳 Artists’ Table Brunch @ Watermill Center⁠
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🎸 The Barnstorm Live @ The Clubhouse⁠
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🗓️ Sunday, May 11 | 11AM⁠
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🎁 Treat mom to a perfect brunch, lunch or dinner.⁠
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🎨 ArtSea Create & Sip: Horseshoe Crab Molt⁠
🗓️ Tuesday, May 13 | 6–8PM⁠
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Inside, find an open kitchen adorned with marble countertops and high-end stainless steel appliances, perfect for the culinary enthusiast. The home features a spacious entry foyer, a living room, dining room, family room, den/office, and a study. Enjoy the comfort of two primary bedrooms, each with its own freestanding soaking tub, located on the first and second floors, respectively.⁠
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The original 1878 building was meticulously moved 15 feet back from Sagg Main Street and now features a welcoming new porch. The Post Office, located there as well, has its own handicapped-accessible entrance. While construction is complete, the Post Office has not yet reopened to the public. ⁠
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Celebrating 50 years of world-class equestrian competition, the Hampton Classic returns to Bridgehampton, NY, August 24-31, featuring FEI CSI5* and CSI2* show jumping and USEF Premier hunter competitions with more than $1 million in prize money.⁠
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📸: Poster Courtesy of the Hamptons Classic⁠
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Read the full article at Hamptons.com (Link in Bio)⁠
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