{"id":1298,"date":"2020-08-05T16:18:17","date_gmt":"2020-08-05T20:18:17","guid":{"rendered":"https:\/\/www.thewealthguardians.com\/staging\/3023\/?p=1298"},"modified":"2022-01-07T12:42:58","modified_gmt":"2022-01-07T17:42:58","slug":"your-changing-definition-of-risk-in-retirement","status":"publish","type":"post","link":"https:\/\/www.thewealthguardians.com\/staging\/3023\/your-changing-definition-of-risk-in-retirement\/","title":{"rendered":"Your Changing Definition of Risk In Retirement"},"content":{"rendered":"

<\/p>\"\"\n

During your accumulation years, you may have categorized your risk as \u201cconservative,\u201d \u201cmoderate,\u201d or \u201caggressive\u201d and that guided how your portfolio was built. Maybe you concerned yourself with finding the \u201cbest-performing funds,\u201d even though you knew past performance does not guarantee future results.<\/p>\n

What occurs with many retirees is a change in mindset\u2014it\u2019s less about finding the \u201cbest-performing fund\u201d and more about consistent performance. It may be less about a risk continuum\u2014that stretches from conservative to aggressive\u2014and more about balancing the objectives of maximizing your income and\u00a0sustaining it for a lifetime.<\/p>\n

You may even find yourself willing to forego return potential for steady income.<\/p>\n

A change in your mindset may drive changes in how you shape your portfolio and the investments you choose to fill it.<\/p>\n

Let\u2019s examine how this might look at an individual level.<\/p>\n

Still Believe<\/strong><\/p>\n

During your working years, you understood\u00a0the short-term volatility of the stock market but accepted it for its growth potential over longer time periods. You\u2019re now in retirement and still believe in that concept. In fact, you know stocks remain important to your financial strategy over a 30-year or more retirement period.\u00b9<\/p>\n

But you\u2019ve 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. How you define your risk tolerance may not have changed, but you understand the new risks introduced by retirement. Consequently, it\u2019s not so much about managing your exposure to stocks, but considering new strategies that adapt to this new landscape.\u00b9<\/p>\n

\"\"<\/p>\n

\n

> CLICK HERE TO GET YOUR COPY OF OUR FREE GUIDE<\/em><\/strong><\/a><\/p>\n<\/blockquote>\n

Shift the Risk<\/strong><\/p>\n

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, such as an insurance company. Many retirees choose annuities for just that reason.<\/p>\n

The guarantees of an annuity contract depend on the issuing company\u2019s claims-paying ability. Annuities have contract limitations, fees, and charges, including account and administrative fees, underlying investment management fees, mortality and expense fees, and charges for optional benefits. Most annuities have surrender fees 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. If a withdrawal is made prior to age 59\u00bd, a 10% federal income tax penalty may apply (unless an exception applies).<\/p>\n

The march of time affords us ever-changing perspectives on life, and that is never more true than during retirement.<\/p>\n

At The Wealth Guardians, we can help you make these complicated decisions whenever these shifts in mindset occur.\u00a0 The financial markets may be in flux, but for us, it\u2019s business as usual.\u00a0 If you\u2019re unsure about the safety of your retirement income or your exposure to market volatility, take action today! Start by <\/span>clicking here to sign up for a complimentary financial review<\/u><\/strong><\/a><\/span> so we can meet and discuss your unique retirement income needs.<\/p>\n

\n

SOURCES:<\/p>\n

    \n
  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.<\/li>\n<\/ol>\n

    The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. It may not be used for the purpose of avoiding any federal tax penalties. Please consult legal or tax professionals for specific information regarding your individual situation. This material was developed and produced by FMG Suite to provide information on a topic that may be of interest.\u00a0FMG\u00a0Suite\u00a0is not affiliated with the named broker-dealer, state- or SEC-registered investment advisory firm.\u00a0The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security. Copyright 2020 FMG Suite<\/p>\n<\/body>","protected":false},"excerpt":{"rendered":"

    During your accumulation years, you may have categorized your risk as \u201cconservative,\u201d \u201cmoderate,\u201d or \u201caggressive\u201d and that guided how your portfolio was built. 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