Skip to main content
Created: October 17, 2024
Modified: October 18, 2024

Navigating Market Volatility as a Retiree

Market volatility can be a significant concern for retirees who depend on their savings for income. It’s natural to feel worried, considering you’ve spent your life working and saving, with the certainty of a steady paycheck. However, once you retire, your income relies on your retirement savings, which makes the fluctuating market more concerning.

Establishing a Retirement Income Plan

One effective strategy to manage market volatility is to establish a solid retirement income plan. By having a well-structured financial plan, you’ll know exactly where your retirement income will come from, providing peace of mind during these uncertain times.

Adjusting Your Investment Portfolio

As we age, adjusting our investment portfolio becomes crucial. Generally, it’s wise to adopt a more conservative approach, focusing less on growth and more on creating a steady income stream. The volatility of the market can be detrimental when you’re withdrawing funds, as the math works against you if your portfolio’s value drops significantly.

Expecting Market Fluctuations

Reflecting on market history, we observe that every five to seven years, a crisis—whether financial, political, or otherwise—tends to drop the market by around 20%. This is part of the investment landscape, and expecting these fluctuations can help you cope better.

Protecting Your Portfolio

To protect your portfolio, consider incorporating fixed-income vehicles like bonds, CDs, or insurance products with guaranteed principal. These help stabilize your investments and provide security against market volatility.

By proactively adopting these strategies, retirees can better navigate market fluctuations and secure a more stable financial future.

Information presented in our podcasts is considered current as of the created date. Over time, some information presented may become stale. We recommend you consult with your Financial Professional before making any changes based on information contained here.

Johnson Brunetti is a marketing name for the businesses of JB Capital and JN Financial.

Investment Advisory Services offered through JB Capital, LLC. Insurance Products offered through JN Financial, LLC.
The guarantees provided by any type of insurance contract are based on the claims-paying ability of the insurance company.

Resources by Topic

Subscribe to Our YouTube Channel

Share

Related Resources

  • Today’s Retirement Reality

    Almost one-third of Americans lack confidence that they will have enough income to cover basic monthly expenses throughout retirement. As the economic landscape continues to shift, more individual…
  • How to Prepare for Taxes in Retirement

    No matter how well you’ve saved for retirement, taxes are an unavoidable part of the process. The good news is that with the proper tax planning, you can minimize this burden and keep more of what…
  • What Are Some Unexpected Retirement Expenses to Look Out For?

    Today’s question is one we help our clients navigate all the time: What expenses might I be responsible for as I enter retirement? Nicholas J. Colantuono, CFP® joins this week’s Money Wisdom Qu…
  • Essential Steps for a Robust Estate Plan

    When planning for retirement, one crucial element that often gets overlooked is estate planning. Creating an estate plan can ensure that your assets, legacy, and loved ones are protected. While es…
  • How Can I Generate Low-Tax or Tax-Free Retirement Income?

    Today’s question is: What steps can I take to generate low-tax or tax-free income in retirement? First and foremost, it’s essential to have a tax plan – one that fits within the context of your…
  • Will I Have Enough Income to Retire?

    Once you’ve reached the retirement mountaintop, you may be uncertain about how to navigate the descent. Have you saved enough? Will your money last as long as you do? If you’re like most of the pe…
  • Preparing for Retirement? Have a Plan for Taxes

    Effective tax planning requires a proactive approach for today’s pre-retirees, as neglecting this crucial step can result in a significant tax bill later on. To help minimize your overall tax burd…
  • Answers to Key Social Security Questions

    The decisions you make about Social Security can have lasting implications, which is why it’s important to get your questions answered sooner rather than later. If you’re unsure about how to maxim…
  • The Right Order to Build Your Financial House

    You wouldn’t design a house that leaves you exposed to outside elements, so why do the same when building your financial house? A well-constructed house first and foremost needs a strong foundatio…
  • Identity Theft: What to Do If Your Identity Is Stolen

    In the digital age, the threat of identity theft is at an all-time high. Sophisticated cybercrime tactics and schemes have left us more vulnerable to online scams than ever before. So, what can…
    Back to top
    Our Locations
    Johnson Brunetti
    Welcome to Our New Website!
    Everything was designed with you in mind, making our retirement planning resources more easily accessible to you.
    Check out your new resource center, where everything can be organized by article type or topic
    Are you ready to speak with a financial advisor?
    Skip to content