How to plan for retirement when markets are in turmoil

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Financial Times 2d ago

How to plan for retirement when markets are in turmoil - Financial Times

Quick Summary:

But he wouldn’t use long-dated government bonds for his low-risk allocation, because they fluctuate more than their shorter-dated siblings and can fall significantly in value.“Instead we would look at short-dated government bonds, infrastructure, alternative investments and cash, to have some certainty in those returns in the last few years before retirement,” he said.

Analysis from Vanguard shows that savers who sold a 60 per cent shares and 40 per cent bond portfolio in the depths of the Covid-19 market crisis in March 2020 — and then bought back in four months later — would have had a 37 per cent rise in their portfolio from the point at which they sold to the end of last year.

Vanguard’s “lifestyling” funds, for example, allocate a portfolio of 80 per cent equities and 20 per cent fixed income to investors in their 20s and 30s, before gradually increasing the bond allocation over time, down to a floor of 30 per cent equities in retirement.