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These discussion pieces highlight some of the key pages in the Guide to Retirement and provide important talking points to client conversations around relevant retirement and investment themes.

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Protecting retirement portfolios from inflation

Discuss the importance of a broadly-diversified, risk-controlled approach to hedge the future effects of inflation on retirement portfolios.
Economic Expansions and Recessions
Retirees are hit hardest by inflation
 
  • The inflation rate is higher for those in retirement versus those who are approaching retirement.
  • Inflation can be volatile and unpredictable, posing a constant threat to a client's purchasing power. It ranks as the #1 concern among pre-retirees and retirees.*
  • Even at today's low inflation levels, retirees run the risk of earning negative real returns from traditional income sources paying historically low yields.
 

* Source: The 2011 Risks and Process of Retirement Survey, sponsored by the Society of Actuaries (SOA), March 2012.

Discussion Slides
Older individuals experience higher inflation
Spending and inflation
Major asset classes vs. inflation

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