Get Your Financial Vitals

Market Volatility and Your Retirement

Reaching retirement should be a time to sit back and relax. A time when you can focus on making the most out of every day. But recent market and economic conditions are adding an extra layer of uncertainty for those nearing or just beginning retirement. It can be difficult to remain confident in the size of your nest egg when inflation is reaching levels not seen in a generation and the market is making large, unpredictable moves.

Why diversification in your investments is important during times of market volatility? 
Clients are concerned and rightfully so when the market becomes volatile. Therefore, it is so important to be properly allocated. We recommend clients diversify their investments to include accounts for safe money with modest return rates, emergency funds, for what you need now, and growth funds for the future. By doing so, you put yourself in a better position to be able to weather the storm when the market becomes volatile.  

Is it possible to retire when the market is down?
While it’s more comforting to clients that retire when the market is up and their portfolios reflect growth, it is possible to retire even when they’re down. At any point one is considering retiring, there are various factors, such as standard of living and debt ratio, that you need to take into consideration. It’s about structuring your predictable income and making sure you have other properly allocated accounts that will continue to feed your retirement income throughout the years. 

How do you know if you are properly allocated and set up to retire someday?
One of the most important things to remember is STAY THE COURSE! With properly allocated retirement accounts you are in a much better position to ride out the volatility of the market. At American Retirement Advisors, we provide an income retirement plan for our clients at no cost. We provide an easy-to-understand roadmap that shows clients what their income stream may look like over throughout their retirement years, how their allocated investments factor in, and where they will be able to pull income from.  

For more information on strategies to maximize your retirement, contact American Retirement Advisors, Inc. at 855-756-5700. And for the most up-to-date market news, follow us on Facebook and subscribe to our YouTube page! 


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