Pre and Post Retirement issues

Retirement brings change to all facets of life, including investing. The perspectives that investors had while building their retirement nest eggs differ from the ones they have once they’re retired.

Saving for retirement

  • Emphasis on return
  • Time horizon clearly defined but can be adjusted
  • Impact of market declines is more manageable
  • Inflation managed through wage growth

Living in retirement

  • Emphasis on income and preservation
  • Time horizon unknowable and not adjustable
  • Impact of market declines is less manageable
  • Inflation managed through investment choices
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