{"id":13659,"date":"2022-06-28T14:50:53","date_gmt":"2022-06-28T19:50:53","guid":{"rendered":"https:\/\/johnsonwim.com\/?p=13659"},"modified":"2022-06-28T14:51:10","modified_gmt":"2022-06-28T19:51:10","slug":"retirement-planning-in-a-bear-market","status":"publish","type":"post","link":"https:\/\/johnsonwim.com\/retirement-planning-in-a-bear-market","title":{"rendered":"Retirement Planning in a Bear Market"},"content":{"rendered":"

Bear markets are nerve-wracking for any investor, but especially for retirees or those close to retirement. Making the right moves with your investments and retirement plan is key when the stock market is in free fall like it has been. Here’s how to stand up to a bear market as we navigate this volatile time.<\/strong><\/p>\n

The market has not been the best for investors. The S&P 500\u00a0<\/a>\u2014 a benchmark index commonly used to measure how the stock market overall is doing \u2014 fell into a bear market, meaning that its value dropped at least 20% from its previous high. And recent retirees or people who are planning to retire in a year or two are feeling the sting.<\/p>\n

Retiring into bear marketing can be difficult on your financial wellbeing and your financial portfolio. But a bear market offers young investors the opportunity to get into the stock market at something of a discount. It might be anxiety-inducing at times, but the results can be fruitful if done correctly. Rather than fall into despair or make impulsive decisions, here is how to help lessen the negative effects on retiring in a bear market.<\/p>\n

Strengthen Your Liquid Reserves<\/b><\/h4>\n

The market is down, and you’re concerned about how that might affect your retirement portfolio. As you near retirement, your cash reserves need to be as high as possible. This is especially true if you haven’t retired quite yet and are still taking care of yourself financially.<\/span><\/p>\n

A recent study conducted by <\/span>Vanguard<\/span><\/a> estimates that entering retirement during a bear market with a balanced portfolio and relying on that portfolio for 100% of your income, while making withdrawals when stocks are down, could increase the chance you outlive your money by 31% and reduce your income stream by 11%.<\/span><\/p>\n

Some planners recommend at least two to three years’ worth of income set aside in liquid assets such as cash or cash equivalents and short-term bonds to draw from during market downturns. These funds should be used to cover living expenses, which can be reduced if necessary during lean times.<\/span><\/p>\n

Reduce Spending<\/b><\/h4>\n

To bolster your cash reserves further, take a hard look at your current spending and see what you can cut. This can be an especially helpful exercise if you’re still working, since it will help you get a better idea of how much money you have left over after paying for necessities like rent, utilities and food.<\/span><\/p>\n

If you’re already retired and are worried about your finances, there are ways to help keep you from going into debt. The first step is to track your current spending and distinguish which expenses are needs vs. wants. And cut back on some of the discretionary items.<\/span><\/p>\n

Small daily habits like freezing credit cards, having no-spend days, getting better subscriptions deals (or canceling them) and planning free activities are a great start. Reassess plans for large expenses too. If necessary, consider more aggressive moves like downsizing your home, reevaluating those lavish vacations, taking up a part time job (the labor market is tight, which means there\u2019s an abundance of jobs) and even part ways with your additional car or second home.\u00a0<\/span><\/p>\n

If you’re already retired, it’s especially important to take steps to help lighten your dependence on your portfolio.\u00a0<\/span><\/p>\n

Rebalancing Act<\/h4>\n

In bear markets, one move to make is to periodically rebalance your assets to help stay within your designated allocation.<\/p>\n

Portfolio management begins by establishing appropriate allocations for equity, fixed income, and cash, which are determined based on your financial goals, risk tolerance, time-horizon, and current and future demands on capital. Portfolio rebalancing is buying and selling portions of your portfolio to set the weight of each asset class back to its original set allocation. \u00a0This is essential for helping to balance the risk you\u2019re taking with the long-term return potential of your investments. Meet with your Fiduciary on a regular schedule to assess and make amendments as you go.<\/p>\n

Investment Opportunities<\/strong><\/h4>\n

Another side to market volatility is the opportunities it presents. It\u2019s a great opportunity, when the market is down, to be able to get in and start the process. That means if you\u2019re brand new to investing, now is a potentially beneficial time to start building wealth via the financial markets.<\/p>\n

While financial advisors recommend not trying to time the market, it could make sense to buy when prices are low \u2014 and prices right now are certainly low. In other words, think of the bear market stock prices as your favorite store on sale. You’re essentially getting them at large discounts – which could make sense for your future investing goals. It’s also worth noting if you invest both in and across asset classes<\/a>, you have a better chance of weathering challenging market environments.<\/p>\n

Be Prepared for Changes<\/b><\/h4>\n

A good retirement plan<\/a> should reflect change whenever you’re met with one of life’s many obstacles. Retirement isn’t always linear or predictable, and as such we should be prepared for when it happens. Perhaps you change your mind on where or how you want to live. Or a medical crisis occurs that will alter your financial plans.<\/span><\/p>\n

Ultimately, your portfolio serves your goals as they evolve. When they do evolve, you will need to review your drawdown strategy. When this happens, it may just be as simple as adjusting your withdrawals. For example, if expenses change or your portfolio takes a big hit during the bear market. Other examples of change include when <\/em>you want to retire. If you had your heart set on walking out of those office doors for a final time this year, it can be hard to convince yourself to stick it out for a bit more time. But doing so could really help you financially in the long term.<\/span><\/p>\n

Financial calculators <\/span><\/a>are great tools and resources for predicting future financial shortfalls. 401(k) or IRA calculators can help you gut check your chances of not running out of money given the variables you enter. These calculators can help you paint a better picture of what your retirement might have in store. Explore our free online calculators here<\/a> to get started.<\/span><\/p>\n

Final Thoughts<\/b><\/h4>\n

It’s important to remember that bear markets are not unusual or permanent. They also don’t always lead to recessions, especially if they last less than two years. If you’re planning to retire in the next year or two, maybe hold off on giving notice until there’s more clarity around whether there will be a recession. The economy is still strong and unemployment is low, but that doesn’t mean we won’t see a recession in the near future.\u00a0<\/span><\/p>\n

Are you currently looking for a Fiduciary financial advisor in Iowa to help you navigate a bear market the right way? You can trust that our advisors will always put your needs ahead of their own. It\u2019s our legal obligation to you as Fiduciaries, but it\u2019s also simply the right thing to do. <\/span>Contact us here today<\/span><\/a> to start the conversation.<\/span><\/p>\n

\n

All written content on this site is for informational purposes only. Opinions expressed herein are solely those of Johnson Wealth & Income Management and our editorial staff. Material presented is believed to be from reliable sources; however, we make no representations as to its accuracy or completeness. Investing involves risk. There is always the potential of losing money when you invest in securities. Asset allocation, diversification and rebalancing do not ensure a profit or help protect against loss in declining markets. All information and ideas should be discussed in detail with your individual advisor prior to implementation. The presence of this website, and the material contained within, shall in no way be construed or interpreted as a solicitation or recommendation for the purchase or sale of any security or investment strategy. In addition, the presence of this website should not be interpreted as a solicitation for Investment Advisory Services to any residents of states where otherwise legally permitted to conduct business. Fee-based financial planning and Investment Advisory Services are offered by Sound Income Strategies, LLC, an SEC Registered Investment Advisory firm. Johnson Wealth & Income Management and Sound Income Strategies LLC are not associated entities. Johnson Wealth & Income Management is a franchisee of the Retirement Income Store. The Retirement Income Store and Sound Income Strategies LLC are associated entities. \u00a9 2021 Sound Income Strategies.<\/p>\n","protected":false},"excerpt":{"rendered":"

Bear markets are nerve-wracking for any investor, but especially for retirees or those close to retirement. Making the right moves with your investments and retirement plan is key when the stock market is in free fall like it has been. Here’s how to stand up to a bear market as we navigate this volatile time. 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