{"id":2285,"date":"2021-07-05T14:13:14","date_gmt":"2021-07-05T18:13:14","guid":{"rendered":"https:\/\/www.thewealthguardians.com\/staging\/3023\/?p=2285"},"modified":"2021-07-05T14:13:14","modified_gmt":"2021-07-05T18:13:14","slug":"one-critical-mistake-to-avoid-when-you-retire","status":"publish","type":"post","link":"https:\/\/www.thewealthguardians.com\/staging\/3023\/one-critical-mistake-to-avoid-when-you-retire\/","title":{"rendered":"One Critical Mistake to Avoid When You Retire"},"content":{"rendered":"

<\/p>\"\"Let\u2019s assume you\u2019re ahead of your peers. You\u2019ve saved, invested, and paid down debts. Maybe you\u2019ve even met with a financial professional to examine your retirement income options. But if you\u2019re using traditional strategies, you still might find yourself behind the eight ball in retirement.\n

Preparing for your financial future requires considering things that aren\u2019t necessarily within your control.\u00a0 It\u2019s easy to select your target retirement date or to budget what you\u2019ll need for monthly income, but projecting portfolio returns, life expectancy, taxes, inflation, and health care needs amounts to strategic guesswork. These assumptions are risky business; even a small margin of error may throw your plan off course. In my experience, the one factor that generates the most problems is the assumed average rate of return on your investments.<\/p>\n

The Flaw of Averages<\/strong><\/p>\n

Mark Twain once quipped that there are three kinds of lies: lies, d***ed lies and statistics. In other words, numbers can tell just about any story you\u2019d like depending on the interpretation.\u00a0 Let\u2019s look at an example.<\/p>\n

Suppose your retirement portfolio takes a hit when the market drops like it did in 2008. Your account drops 40% \u2014 nearly half your life savings. But you don\u2019t panic; reminding yourself that you\u2019re in it for the long haul, you stay the course. The following year your patience is rewarded, and your account bounces back 40%. Phew \u2014 at least we broke even, right?<\/p>\n

Wrong! Let\u2019s assume you invested $1 million in that portfolio. After the first year\u2019s loss, your balance would have dropped to $600,000. The subsequent rally helps you recover, but a 40% return only gets you back to $840,000. Your average rate of return over the time period may be zero, but the actual rate of return is minus 16%!<\/p>\n

This difference matters. Unfortunately, many financial plans paint a false picture in relying on average rates of return. It might be nice to imagine earning smooth, steady rates of return in retirement, but we know the market is anything but consistent. A prudent plan should be mindful of market volatility.<\/p>\n

Experience has taught me that your retirement strategy is most sensitive to market swings during the five years before and after your target retirement date. Your savings are at their pinnacle and thus more vulnerable to a market correction. What choice did those hoping to retire have in 2008?\u00a0 They might have chosen to delay retirement, waiting three to five years until their portfolios recuperated. Alternatively, they may have pressed forward with retirement, at the expense of accepting a lower standard of living.<\/p>\n

Incurring losses around your target retirement date bears significant consequences. Despite this, many people are stubbornly or unwittingly counting on \u201cage-appropriate\u201d mixes of stocks and bonds to mitigate this risk. But these portfolio mixes, designed to deliver an average target rate of return over time, can fail to support your plan if the market ignores your projection and delivers an actual negative return when timing is critical.<\/p>\n

Keeping It Real<\/strong><\/p>\n

This may be puzzling to seasoned investors. Why worry about market oscillation? Patience has always been regarded as the best tool to offset market volatility. We\u2019re told that it\u2019s panicking and selling at the wrong time that typically gets people into trouble. As long as you are patient, you should be able to keep retirement on track, right?<\/p>\n

Not quite. Whether market volatility is of consequence is almost exclusively dependent on timing. When you\u2019re working, a market drop hurts. But you don\u2019t need that money; you\u2019ve got a paycheck. You can afford to ride things out. And continued systematic contributions only aid your recovery since, in theory, you\u2019re buying low \u2014 a surefire way to recover.<\/p>\n

When you\u2019re near or beyond retirement age, the story changes.\u00a0 A market drop directly affects one of your primary sources of income. And you\u2019re not contributing to those accounts anymore \u2013 you\u2019re taking withdrawals in order to pay your living expenses! Staying patient for the long haul is no longer an option. And those withdrawn dollars will be painfully absent in helping the portfolio recover.<\/p>\n

A Better Plan<\/strong><\/p>\n

A prudent retirement plan should be designed to withstand volatility and provide desired income exactly when you want it regardless of market conditions.\u00a0 Nobody wants to go back to work or be forced to downsize their home just because the market doesn\u2019t cooperate with their time frame. Mitigating this volatility risk is necessary to keep your plan on track and on time.<\/p>\n

Our\u00a0Custom Retirement Paycheck Plan<\/em><\/strong><\/span><\/a>\u00a0shows how to protect your retirement from the risks of unexpected market swings, tax changes, and health care expenses using a mathematically tested strategy to create lifetime income allowing you to stop worrying about outliving your money and get on with enjoying the rest of your life.<\/p>\n

Let us show you in black and white a custom retirement income plan that is comprehensive, individualized and based on strategies that balance growth with downside protection. Get your Custom Retirement Paycheck Plan<\/em><\/strong><\/span><\/a> now!<\/p>\n

\"\"<\/a><\/p>\n

\n

>Click here to learn more about this FREE report<\/strong><\/em><\/span><\/a><\/p>\n<\/blockquote>\n

Give us a call at our Charlotte office at (704) 248-8549, or our Clemmons office at (336) 391-3409. Or, click here to request a no-cost, no-obligation meeting<\/span><\/strong><\/em><\/a>.<\/p>\n

\n

[SOURCES & ADDITIONAL DISCLOSURES]<\/strong><\/p>\n

Copyright \u00a9 2021 The Kiplinger Washington Editors. All rights reserved. Distributed by Financial Media Exchange.<\/em><\/p>\n<\/body>","protected":false},"excerpt":{"rendered":"

Let\u2019s assume you\u2019re ahead of your peers. You\u2019ve saved, invested, and paid down debts. Maybe you\u2019ve even met with a financial professional to examine your retirement income options. 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