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FROM YOUR PERSPECTIVE

Get insights for your specific investment needs.

Managing your retirement nest egg The financial decisions you make when you retire can have long-term consequences. Get the information you need to make the right choices.

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Systematic withdrawals When it’s time to tap your retirement accounts, systematic withdrawals are predictable, flexible, and easy to set up.

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Path to retirement: Living in retirement

In the past, your focus has probably been on investing your portfolio to achieve the maximum amount of growth at the level of risk you’re comfortable taking. But when it’s time to start drawing on the retirement assets you’ve accumulated, your investment priorities may change.

Many people spend 20 or 30 years in retirement. That means you’ll want to continue to invest even as you begin spending your assets. But you may consider shifting some of your portfolio from stocks to bonds or insured accounts to produce more income with fewer risks.

It’s equally important to have a strategy for converting your savings into a source of income during retirement, especially since some of the choices you make could be irrevocable or have a major impact on your financial security. The right plan should help you make the most of your investments and avoid potential pitfalls along the way.

Retirement Planning Your investing focus will shift as you begin thinking seriously about retirement and creating the income you’ll need.	IRAs Rolling retirement assets into an IRA can protect their tax-deferred status.

Annuities These tax-deferred retirement savings plans can be converted to a stream of retirement income.

IN THE NEWS

New 401(k) inheritance rules The Pension Protection Act may make it easier to leave your 401(k) assets to a nonspouse beneficiary without triggering a big tax bill.	Deferred variable annuities: Right for you? These tax-deferred plans offer growth potential but need time to accumulate value.