How to Keep and Grow Your Retirement Assets: New Investment Strategies for a New Reality

How to Protect Your Retirement Investments in These Volatile Markets
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Housing costs remained steady and health care expenses increased, but nearly every other category — transportation, entertainment, clothing, food and drink — declined sharply. Morgan Asset Management has studied the spending patterns of its customers and witnessed the same trend.

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These included homebodies, globe-trotters, health care spenders and foodies. If you fall into one of the first three groups, you may be looking at spending increases throughout your retirement. Pfau said.

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It often resembles a smile, according to a study by David Blanchett, head of retirement research at Morningstar. He based his study on real-life data from the Health and Retirement Study, a project of the National Institute on Aging and the University of Michigan. Those later-year gains in spending are almost always related to health care, Dr. Blanchett said. Even with those increases, however, retirees in their 70s and 80s still tend to spend less than when they first quit working.

This is something financial advisers should go over with their clients, he added. Blanchett suggests running a separate retirement-spending projection that assumes your spending grows by 1 percentage point less than inflation. One danger is that spending more in early retirement, combined with a sharp market downturn, could put your portfolio in a deep hole, jeopardizing your later years.

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Even without a market crash, it can be jarring to watch your investment account shrink. In reality, risk and returns are inversely related, i. So, while selecting an investment avenue, you have to match your own risk profile with the risks associated with the product before investing. There are some investments that carry high risk but have the potential to generate high inflation-adjusted returns than other asset class in the long term while some investments come with low-risk and therefore lower returns.

There are two buckets that investment products fall into - financial and non-financial assets. Financial assets can be divided into market-linked products like stocks and mutual funds and fixed income products like Public Provident Fund , bank fixed deposits.

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Non-financial assets - most Indians invest via this mode - are the likes of gold and real estate. Here is a look at the top 10 investment avenues Indians look at while savings for their financial goals. Direct equity Investing in stocks may not be everyone's cup of tea as it's a volatile asset class and there is no guarantee of returns. Further, not only is it difficult to pick the right stock, timing your entry and exit is also not easy.

The only silver lining is that over long periods, equity has been able to deliver higher than inflation-adjusted returns compared to all other asset classes. At the same time, the risk of losing a considerable portion of capital is high unless one opts for stop-loss method to curtail losses. In stop-loss, one places an advance order to sell a stock at a specific price. To reduce the risk to certain extent, you could diversify across sectors and market capitalisations.

Currently, the 1-, 3-, 5 year market returns are around 13 percent, 8 percent and To invest in direct equities, one needs to open a demat account. Equity mutual funds Equity mutual funds predominantly invest in equity stocks. As per current Securities and Exchange Board of India Sebi Mutual Fund Regulations, an equity mutual fund scheme must invest at least 65 percent of its assets in equities and equity-related instruments.

An equity fund can be actively managed or passively managed. In an actively traded fund, the returns are largely dependent on a fund manager's ability to generate returns. Index funds and exchange-traded fund ETFs are passively managed, and these track the underlying index. Equity schemes are categorised according to market-capitalisation or the sectors in which they invest.

They are also categorised by whether they are domestic investing in stocks of only Indian companies or international investing in stocks of overseas companies. Currently, the 1-, 3-, 5-year market return is around 15 percent, 15 percent, and 20 percent, respectively. Read more about equity mutual funds.

Debt mutual funds Debt funds are ideal for investors who want steady returns. They are are less volatile and, hence, less risky compared to equity funds. Debt mutual funds primarily invest in fixed-interest generating securities like corporate bonds, government securities, treasury bills, commercial paper and other money market instruments.

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Editorial Reviews. About the Author. Daniel Wildermuth has been assisting senior investors for How to Keep and Grow Your Retirement Assets: New Investment Strategies for a New Reality - Kindle edition by Daniel Wildermuth. Download it once and read it on your Kindle device, PC, phones or tablets. Use features like. Free Shipping. Buy How to Keep and Grow Your Retirement Assets: New Investment Strategies for a New Reality at uwewefatymix.gq

Currently, the 1-, 3-, 5-year market return is around 6. Read more about debt mutual funds. It is a mix of equity, fixed deposits, corporate bonds, liquid funds and government funds, among others. Based on your risk appetite, you can decide how much of your money can be invested in equities through NPS.

Currently, the 1-,3-,5-year market return for Fund option E is around 9. Read more about NPS. Since the PPF has a long tenure of 15 years, the impact of compounding of tax-free interest is huge, especially in the later years.

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Give some thought to the risk of investing too conservatively and not reaping a high enough return potential to provide for your financial future. Also be aware of investing in instruments that may be too risky for your shorter-term goals. A financial professional can help you select investment vehicles that are suitable for your goals.

As you consider each particular investment, research its performance history and risk characteristics. For example, if it's a stock fund, how drastically has it responded to drops in the market?

How long has it taken to recoup losses? How has it performed over a time frame similar to your own? For a bond fund, consider also the average maturity of bonds held in the particular fund.

With These Two Moves, You Can Retire Well No Matter What the Market Does

Risk has its potential rewards. In life, almost every attempt at success involves a bit of risk and your investment strategy is no different. By devoting time to examining your goals, conducting some research, and working with a financial professional, you can learn how to manage risk in your portfolio by choosing appropriate investments.

These are important concepts and critical determinants of your investment success. When you see your financial professional, don't forget to put these concerns on your agenda, too. Please be advised that this material is not intended as legal or tax advice. Accordingly, any tax information provided in this material is not intended or written to be used, and cannot be used, by any taxpayer for the purpose of avoiding penalties that may be imposed on the taxpayer.

The tax information was written to support the promotion or marketing of the transactions s or matter s addressed and you should seek advice based on your particular circumstances from an independent advisor. Please be advised that this materials is not intended as legal or tax advice.

Already working with a financial professional? Login for contact information. Online Privacy and Security. Step One: Understand the various risks involved Investment risk is generally defined as the probability that an actual return on an investment will be lower than the investor's expectations. Interest-Rate Risk Most often associated with fixed-income investments, this is the risk that the price of a bond or the price of a bond fund will fall with rising interest rates.

Inflation Risk The risk that the value of your portfolio will be eroded by a decline in the purchasing power of your savings, as a result of inflation. Credit Risk It comes into play with bonds and bond funds. Step Two: Manage the risks with diverse investments The old cliche, "Don't put all your eggs in one basket," is very applicable to the realm of investing.

Components of Total Return, - While stocks have historically provided income and capital appreciation, the total return of bonds has been composed primarily of interest income. Match time horizon with your investment choices Examine your time horizon for meeting your goals, and consider how comfortable you may be riding out short-term losses in the value of your investments.

Inappropriate investments: The unseen risks When thinking about how to balance risk and return in your portfolio, don't forget that the risk of loss is not the only kind of risk. Risk has its potential rewards In life, almost every attempt at success involves a bit of risk and your investment strategy is no different.