Most of us avoid “rollercoasters” as we grow older…
…unfortunately, stock and bond markets don’t always abide by our wishes for smooth returns!
Seniors are facing an increasingly challenging investment climate:
Rates are rising and negatively impacting bond prices, yet at the same time yields remain historically low and difficult to live off of unless investing in either longer maturity bonds, or lower quality bonds — both come with not insignificant risks.
As the Federal Reserve continues to tighten monetary policy, equity markets are feeling the pressure, compounded by what appears to be at least a temporary plateauing of the equity market and its earnings cycle.
Implementing a Total Wealth Strategy can improve investment flexibility and withdrawal strategies.