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Rob Schultz, CFP®, PFP



There are several income producing strategies that can be used in combination with the underlying investments. There is no guarantee any of these strategies will be successful. Speak with a financial professional to determine which strategy best fits your goals and risk tolerance. Some of the most common retirement income strategies are:

  • Systematic Withdrawal Plan (SWP) regular payments from your investment account at either a variable or fixed amount until the account value is exhausted. The assets in this approach are invested in securities which carries market risks. Negative market returns early in a SWP can have severe negative impacts during later retirement years.
  • The Bucket Approach breaking up retirement into distinct time increments of three to ten years and choosing investments which have the potential to provide certain outcomes at different times throughout your retirement. Each bucket will employ different investments and risk mitigation techniques that are dependent on an individual's investment time horizon and risk tolerance.
  • Risk-Adjusted Income Approach managing a broadly diversified portfolio to help optimize your total return within your individual risk characteristics. This approach allows for the potential for cash flow to be generated through dividends, interest, and/or periodic withdrawals of a percentage of assets.
  • Income Floor/Hybrid Approach distinguishing between your essential and non-essential needs in retirement, and creating a strategy to address both. Typically essential needs are covered through guaranteed income sources or lower risk investments.
  • Laddering Approach purchasing a portfolio of investment products with different maturity dates. As each maturity date arrives some or all of the proceeds can be reinvested into products with longer maturity dates. This approach provides liquidity and a stable income stream while managing reinvestment and market risks.

Source: Insured Retirement Institute

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Securities and investment advisory services offered through Royal Alliance Associates, Inc., member FINRA/SIPC and a registered investment advisor. Additional investment advisory services offered through NWF Advisory Services Inc., a registered investment advisor not affiliated with Royal Alliance Associates, Inc. Certain insurance products offered through New World Financial & Insurance Services, Inc., an entity not affiliated with Royal Alliance Associates, Inc. or registered as a broker/dealer or investment advisor.

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