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    1. Retirement Insights

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    INTRODUCING RETIREMENT INSIGHTS

    In an evolving retirement landscape, the Retirement Insights program is designed to provide investment professionals and their clients with insights and tools to make better retirement decisions.

    Retirement do’s and don’ts in a volatile market

    Katherine Roy | 18/05/2020

    No matter where you are in your retirement journey, here are some ideas to consider during this period of market turbulence. Katherine Roy, Chief Retirement Strategist, encourages investors to take a play out of the Great Recession playbook. Stay calm, carry on, and don't look at your account balance.

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    When trying to get our arms around what periods of market volatility might mean for our retirement futures, it can help to look to the past for lessons in the choices others may have made during a similar period of stress and how those choices played out. Specifically, how did defined contribution plan participants behave during the Great Recession of 2008 and 2009? It may be surprising to learn that the answer is quite positive. We see the individuals were largely able to stay on track. They experienced a slight detour due to the market declines but recovered faster than you might expect. 

    According to research by the Investment Company Institute, almost 97% of participants continued making contributions. 85% did not make an investment change. The outcome of these two choices, saving and staying invested, was that account balances were back above their 2007 peak by the end of 2010. Older individuals who were closer to retirement and who had larger balances did see a greater decline in their wealth but experienced a similar recovery.

    So what are the key takeaways from our trip down memory lane? The defined contribution system worked despite short-term market shocks. Most plan participants continued to save with each paycheck. By staying invested, they were able to benefit from some of the best days and the longest bull market that followed. Take a play out of the Great Recession playbook. Stay calm, carry on, and don't look at your account balance.

    FEATURED RETIREMENT INSIGHTS

    Timing Retirement

    Deciding when, and how, to retire is a complicated process. It requires careful evaluation of both emotional and financial considerations and the assistance of an experienced financial advisor.

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    Building better retirement portfolios

    This paper, written by Wina Appleton, outlines the asset allocation portfolios framework designed to help investors achieve their retirement goals.

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    Essential Elements of a Sound Retirement System

    This paper, written by Wina Appleton, presents 5 essential elements in establishing or strengthening a retirement system.

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    Two actions to tackle health care costs in retirement

    This paper outlines the five things to know and two actions you can take to tackle health care costs in retirement.

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    EXPLORE OTHER INSIGHTS

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