Market Volatility and Retirement
Market swings feel very different once you're living off your savings. Here's how to keep volatility from derailing your income.
While you're working, a market downturn is a buying opportunity. In retirement, the same downturn can force you to sell at the worst time.
This guide explains why volatility matters more in retirement and how to manage it.
Why volatility hurts more in retirement
How withdrawals during a downturn can permanently shrink your savings.
The danger of selling in a downturn
Why locking in losses early in retirement is so damaging.
Cash reserves and buffers
Keeping a cushion so you don't have to sell investments at a loss.
Principal-protected options
How tools that protect principal can steady your income, subject to insurer claims-paying ability.
This guide is for general educational purposes only and is not financial, tax, or legal advice. Tim Hartle is an independent insurance professional. Annuity guarantees are subject to the claims-paying ability of the issuing insurance company and are not FDIC insured. Rules and product features vary by situation and by state. Please consult a qualified advisor about your own circumstances.
Frequently Asked
Should I get out of the market when I retire?
How can I protect my income from market swings?
What is a buffer strategy?
Apply This to Your Own Plan
Schedule your complimentary, no-pressure Retirement Income Review with Tim. Call (727) 692-5866 or book below.
Annuities are insurance contracts. Guarantees, including guaranteed lifetime income benefits where available, are subject to the claims-paying ability of the issuing insurance company. Product features, fees, withdrawal restrictions, and surrender charges vary by contract.