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You've saved just enough.

Time to be cautious about planning your retirement income.

You need to carefully design your strategy for monthly income. Why? Your total savings amount isn't high relative to the income you expect to generate. This means less margin for error. Review The 3 Big Risks and how to manage them.


  • To help mitigate longevity risk, your income strategy should include a measure of lifetime guaranteed* income. A straightforward income annuity will help.
  • To plan for the impact of rising inflation, your strategy should expose an appropriate amount of savings to equity investments. Seek investments with low fees and expenses.
  • You will benefit from a formal, written plan describing your income strategy.
  • If you are within ten years of retiring or have retired within the last five years, talk to us today about a NextPhase Personalized Analysis developed for retirees like you, who've saved just enough.


* When utilizing annuities for guaranteed income, these guarantees are based on the claims-paying ability of the issuing company.

The Strategy

According to Kiplinger, "The biggest threat to retirement wealth is withdrawing too much money from a shrinking nest egg, because there may not be enough left to benefit from the inevitable market rebound."

That statement is correct, and it argues for "time-segmenting" your retirement savings. Time-segmentation makes it easier to align your retirement timeline with your investment strategy. It may also help you mitigate Timing Risk and Inflation Risk. By supplementing Social Security with a deferred income annuity, you can also better protect against Longevity Risk- the possibility of outliving your income.

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How it Works.

In one popular approach your deposit is shown as being allocated to six "segments" that will hold investment assets ranging from very conservative to aggressive. Segment One, the most conservative, receives the largest portion of your deposit - 28%. Successive segments receive, 26%, 20%, 13% 7% and 6% (total 100%). The segments receiving the smallest amount of money are those which hold progressively more aggressive assets. The more aggressive an investment, the more risk it is subject to. These segments will be held for the longest period of time in order to achieve the best possible chance of excellent investing results.

*These percentages will vary based on your NextPhase Personalized Analysis.

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