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Retirement Planning in a Volatile Market

The recent market volatility may have you concerned, especially if you’re approaching or already in retirement.  Feelings of uncertainty, anxiety, and uneasiness are all common during any scary and volatile market.  These feelings are normal and sometimes it can be beneficial to take a step back and look at the big picture.  We can’t predict the markets, so acting with haste and making emotional decisions can potentially negatively impact your retirement outlook.  Make sure to remind yourself of the reasons you’re planning and investing in the first place.  Focusing on your priorities and unique goals can help you put your market exposure and risk tolerance into perspective.  Now that you’ve done this, you can focus your time and efforts on what’s really important.

As you find yourself at, near or in retirement, you’ll want to know how much retirement income you’ll need, and where it’ll come from.  Additionally, you’ll want to consider having a diversified investment strategy based on your personal goals and risk tolerance level.  With significant market drops and sharp jolts, it can be nerve-wracking.  We get that.  But, it’s important to try and stay calm and not let your emotions impact your financial decisions. This is just one reason why having a comprehensive retirement strategy to help you survive volatile markets can be a good idea.

One of the best ways to help achieve your retirement goals is to diversify and monitor your future income. The risk management technique of mixing a wide variety of investments within a portfolio is called diversification. Generally speaking, the purpose of a portfolio constructed in this manner is to give you a mix of a variety of investments to help get as much of the upside as possible, without putting too much at risk. Diversifying your investments, maintaining an appropriate mix of stock and bonds based on your age and risk tolerance, and having a long-term plan for your retirement can help you feel more secure and prepared during times of market volatility.

Ultimately, the right approach to retirement planning in a volatile market depends on you and your unique situation.  That’s why it’s important to work with a trusted financial professional who takes into account your particular needs, goals and concerns when creating your custom, comprehensive retirement plan. At Peak Financial Freedom Group, we’ll work together to help you make smart and sound financial decisions so that your retirement is prepared for whatever the stock market brings.  Click here to schedule your complimentary, no-obligation review and we can help answer your retirement planning questions while making sure you’re on track for a successful life in retirement.

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Peak Financial Freedom Group
2520 Douglas Boulevard, Suite 110
Roseville, CA 95661

DISCLOSURE: All presentation data is provided and intended to be used for general educational purposes only and is not intended as a solicitation for you to buy or sell any financial product. None of the material in this presentation is intended to give you, nor are the presenters engaged in giving you, specific tax, investment, real estate, legal, estate, retirement, or financial advice, but rather to serve as an educational platform to deliver information; nor is it intended to show you how the strategies presented can specifically apply to your own tax, investment, estate, financial, or retirement position, but rather to offer an idea of how these principles generally may apply.

Stocks, bonds, or mutual funds have risks and can lose principal, even with a stop loss, and there is no guarantees of gains, as past performance is not indicative of future positive investment results. The sale or liquidation of any stock, bond, IRA, certificate of deposit, mutual fund, annuity, or other asset to fund a new portfolio and/or annuity may have tax consequences, early withdrawal penalties, or other costs and penalties as a result of the sale or liquidation. You can’t invest directly into a stock market index. A fixed index annuity with an income rider can protect your savings from losses and provide you guaranteed lifetime income, but you could incur surrender charges, gains aren’t guaranteed, you’ll pay a fee, and guarantees are backed by the financial strength claims paying ability of the issuing annuity company.

Illustrations/projections displayed within this presentation are hypothetical in nature and should not serve as the sole determining factor in making financial decisions. Consult with a qualified investment, tax, legal, and/or retirement advisor before making any decisions. By contacting Peak Financial Freedom Group, you may be offered additional information regarding the purchase of financial products. Seminars, radio shows, TV productions, book releases, magazine and book promotions are sponsored, promoted and paid for by Peak Financial Freedom Group, LLC. If you place assets under management with our firm, we are paid an advisory fee, and if you purchase an annuity from our firm, we are paid commissions from an insurance company.

Investment Advisor Representatives of and Advisory Services offered through Fiduciary Solutions, LLC, a Registered Investment Advisor. Peak Financial Freedom Group LLC is primarily a fixed insurance sales organization and provides no Advisory Services. PFFG Insurance Agency LLC, CA License #0N14103, is a licensed insurance agency and provides no Advisory Services. Peak Financial Freedom Group LLC, PFFG Insurance Agency LLC, and Fiduciary Solutions LLC are separate affiliated entities. Insurance products and services provided by PFFG Insurance Agency LLC and independent agents.

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