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Title: Personal Finance/Retirement - Investing During Retirement Pointers on investment strategies for those already retired.
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Investing During RetirementA Comprehensive Approach

by Frank ArmstrongPresident, Investor Solutions, Inc.www.fee-only-advisor.comFrankA-sm.gif (8552 bytes)OverviewInvesting during retirement is completely different than investing forretirement. The requirement to generate liberal, consistent, and reliable incomeover a long-term, indefinite time horizon changes the problem in a fundamentalway.During the accumulation phase it is completely rational and consistent totake a full measure of global equity risk in return for the probable higherreturns. The emphasis is correctly placed on attaining the highest possibleaccumulation.At retirement the objectives change: Generate income, and dont run out ofmoney! An entirely different strategy is called for.Retirees have several key concerns: How much can I safely withdraw? How can I make my nest egg last forever? Can I hedge the portfolio for inflation? If anything is left over, how can I get the most to the nextgeneration?Several factors complicate the retirees problem: Fixed dollar withdrawal programs increase investment risk andintroduce the possibility of self-liquidating the portfolio during extendedmarket declines. Time horizons are extended, but cannot be predicted exactly inadvance. The average life expectancy for a couple age 60/55 is 32.3 years. Inflation is embedded within government policy. We cannot counton it going away. Taxes are a dead drag on performance and the largest expenseinvestors face. Because investment returns are finite, expenses must berigorously controlled. IRA and pension forced withdrawals at age 70 may acceleratereceipt of principal and its taxation far in excess of needs. Beneficiary selection and estate planning is complex due to theintersection of IRA withdrawal rules, income and estate tax considerations.Decision-making is complicated by uncertainty. Most of the factors thatdetermine success or failure are beyond our direct control. Retirees cannotcontrol or predict market returns, interest rates, or even their own mortality.So, we must focus on the things that we can control, and devise a conservativeinvestment strategy that will yield the highest probability of success.Because no two retirees have identical situations or objectives, each casemust be individually considered. A comprehensive approach will consider all thecomplicating factors before reaching a solution. No single facet can beconsidered in a vacuum. The process is a little like putting together a puzzlewith many parts. Some compromise may be necessary, and retirees must face up tothe possibility of mid-course corrections.Next: Sustainablewithdrawal ratesCopyright 2000 Francis C. ArmstrongFrank Armstrong, CFP, is the author of InvestmentStrategies for the 21st Century, published here,President of Managed AccountServices, Inc., a fee-only Registered Investment Advisor, and ChiefInvestment Strategist of DirectAdvice.com.Get The Facts: Fordetailed fund information, risk, rankings, and performance, click here.
 

Pointers

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