退休收入和传统投资组合

Taking withdrawals from a traditional portfolio exposes fixed-income investors to “sequence of returns” danger. 换句话说, experiencing negative returns early in retirement can deplete your portfolio more quickly than expected and potentially undermine the sustainability of your assets. So you may want to consider a couple of strategies to help manage this concern.

流动资产

The first is to have a pool of very liquid assets to fund two to three years of retirement spending; this may keep you from selling longer-term assets at an inopportune time. 经过漫长的时间, 根据市场情况, you may have the opportunity to replenish this cash reserve using gains from your retirement portfolio.

年金

另一个补充策略是整合年金. This can help shift the risk of market volatility off your shoulders and onto the issuing insurance company.

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, 基础投资管理费, 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 contact. 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).

直到退休, portfolio optimization largely focuses on the blending of different asset classes in the appropriate measure to create optimal portfolios. 但在退休后, investors must integrate different retirement investment vehicles to enhance income and manage risk.

业内领先的思想家之一, Ibbotson Associates, 围绕这个观点做了大量的研究吗.

在一项里程碑式的研究中, “退休 Portfolio and Variable Annuity with Guaranteed Minimum Withdrawal Benefit,” Ibbotson’s research came to several key conclusions that hold important ramifications for meeting the retirement-income challenge.

One of the study’s conclusions was that the addition of a variable annuity with a guaranteed minimum withdrawal benefits retirement portfolios—replacing cash or fixed-income allocations. 它增加了总收入，同时降低了风险.¹

A successful retirement is so much more than undertaking sound investment strategies. It also requires understanding the "sequence of returns" danger and taking measures to mitigate the risk.

1. The Ibbotson study assumed the investor had a retirement income period of 25 years or longer. For an investor with a shorter horizon, the strategy may not be as beneficial. The guarantees of an annuity contract depend on the issuing company’s claims-paying ability. 年金 are not guaranteed by the FDIC or any other government agency. 可变年金按招股说明书出售, which contains detailed information about investment objectives and risks, 还有收费和开支. You are encouraged to read the prospectus carefully before you invest or send money to buy a variable annuity contract. The prospectus is available from the insurance company or from your financial professional. Variable annuity subaccounts will fluctuate in value based on market conditions, and may be worth more or less than the original amount invested if the annuity is surrendered.

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