Preparing for Retirement:
Seven Essential Strategies for Successful Investing in Retirement

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What makes today's retirement landscape so unique?

While each person's situation is unique, certain commonalities exist among soon-to-be retirees and the decisions that lie ahead. We have identified a few shared attributes and will provide some essential planning thoughts for developing an investment plan for retirement.

Over the past few decades, the retirement environment has changed dramatically.

In the 1980s and 90s, retirement seemed simple. Many retirees had a pension plan they could count on, an ongoing bull market in both stocks and bonds, quality health insurance, and the restored health of the Social Security program following the 1983 reform.

One of the only benefits of the inflationary early 80s was that the 10-year Treasury continued to yield between eight and nine percent even into the late 80s despite inflation falling to around four percent.

In other words, a worker retiring in the 1980s could have theoretically invested their entire portfolio in Treasuries yielding eight percent, withdrawn four percent, and reinvested the additional four percent for later retirement years.*

Now, let's fast forward to today.

Retirees face an uphill battle. Pensions—the incomes retirees of generations past depended on—have been eliminated from all but the most stable employers as companies look to save costs.

Following a 40-year bond bull market, interest rates are now rising at an unprecedented pace resulting in the worst performance for bonds in a century in 2022.

On the equity side, since 2000 alone, we've endured four bear markets. This includes two of the worst in the history of the U.S. stock market, which resulted in a "flat decade," and we've experienced the other two over just the last three years.

Then there’s the fact that we’ve been battling a 40-year high in inflation for a while now.

And not to pile on, but if we add in skyrocketing healthcare costs to the perceived uncertainty around Medicare and Social Security, it's clear that today's retirees face quite a different scenario than generations past.

All that said, having a successful retirement is possible. Over the next 7 days, we will share each of the seven essential and timeless ideas to help you navigate today's environment and make smart retirement planning decisions.

After day 7, we will provide a complimentary copy of our whitepaper.

* This is a hypothetical example for illustration purposes only.

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