Money Clinic with Claer Barrett cover image

Money Clinic with Claer Barrett

Investment Clinic: I'm 67 - will US stocks crash my retirement?

Mar 11, 2025
In this insightful discussion, Adam Walkom, co-founder of Permanent Wealth Partners, joins financial journalist Claer Barrett to tackle retirement investment strategies. They delve into the challenges faced by retirees like Paul, who are concerned about volatile US tech stocks. Key topics include the benefits of diversifying portfolios with bonds and annuities, the importance of personalized financial strategies, and navigating the complexities of transitioning from asset accumulation to income generation. Tune in for valuable insights into managing retirement funds!
24:44

Episode guests

Podcast summary created with Snipd AI

Quick takeaways

  • Retirees must navigate the transition from accumulation to decumulation by understanding withdrawal impacts on investment longevity and performance.
  • Diversifying investments beyond U.S. tech stocks into various asset classes can help mitigate risks and support a sustainable retirement income strategy.

Deep dives

Navigating Retirement Income

Many retirees, including those like Paul, face the critical challenge of generating income from their pension plans after decades of careful investing. As Paul prepares to withdraw funds from his self-invested pension plan, he seeks to balance risk and return, aiming for at least a 4% annual return to combat inflation. This transition from accumulation to decumulation requires a thorough understanding of how withdrawals can affect investment performance and longevity. It's essential for retirees to develop a strategy that minimizes risk while ensuring their investments can sustain their desired lifestyle.

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