Natixis Funds: Don’t leave retirement risk to chance

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Don’t leave retirement risk to chance

If you’re like some people, you’ve already chosen the year you’d like to retire and you’re working hard to meet that goal. But what if the stock market takes a turn for the worse just as you stop working full time? You don’t want to be holding a portfolio that may not recover from such an event when you start to rely on those assets for income.

Market movements are beyond your control. But you can change the way you think about and manage investment risk in your portfolio as you get closer to retirement. Talk to your financial advisor about changes you should make as you transition from accumulating assets to drawing on your investments for retirement income. That way when the time comes, your portfolio may be as well prepared for retirement as you are.

What a difference a year can make
$500,000 portfolio with 10% annual withdrawal, monthly
More recent experience
The worst years to retire
Construct a portfolio so you don't rely on the whims of the market

What a difference a year can make¹
Too much risk in your retirement portfolio may leave you at the mercy of the markets’ next move. Consider the impact that retiring in the “wrong” year could have had on a hypothetical portfolio invested in 45% large-cap stocks, 20% small-cap stocks and 35% bonds:

$500,000 portfolio with 10% annual withdrawal, monthly
If you retired in	Investment period	Amount left after 20 years
1931	1931�1950	$0 (ran out in 15 years)
1932	1932�1951	$1,475,400
1935	1935�1954	$482,907
1936	1936�1955	$0 (ran out in 16 years)
1945	1945�1964	$539,535
1946	1946�1965	$0 (ran out in 18 years)
1973	1973�1992	$0 (ran out in 17 years)
1974	1974–1993	$1,180,873

For example, if you had retired in 1973, the assets in the hypothetical portfolio would have run out after 17 years. However, if you had waited just one more year and retired in 1974, the portfolio would still have been worth more than $1.1 million after 20 years.

More recent experience
If you retired in	Investment period	Amount left on 12/31/06
1992	1992�2006	$720,105
1995	1995�2006	$822,807
1997	1997�2006	$457,216
2000	2000�2006	$321,708

The same risk considerations also apply to more recent history. If you retired in 2000, 36% of the hypothetical portfolio would already be gone after just seven years. Note that the time periods shown were selected to represent the largest 1-year change in ending portfolio values. However, keep in mind that the dollar amounts reflected are based on a hypothetical portfolio and may not duplicate your actual performance.

The worst years to retire
If you retired in (Investment period)	Amount left after 20 years
1929 (1929�1948)	$0 (ran out in 7 years)
1930 (1930�1949)	$0 (ran out in 10 years)
1937 (1937�1956)	$0 (ran out in 11 years)
1969 (1969�1988)	$0 (ran out in 11 years)

Source: Ibbotson Associates: Stocks, Bonds, Bills & Inflation. Large-cap stocks are represented by the S&P 500 Index, small-cap stocks are represented by the U.S. Small Cap Index and bonds are represented by the U.S. Long Term Corporate Bond Index. Indexes are unmanaged and not available for direct investment. Past performance is no guarantee offuture results. 35% bonds 45% large-cap stocks 20% small-cap stocks

¹ The hypothetical example is for illustrative purposes only and is not indicative of any particular investment.

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