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Wealth
7 min read
Building a retirement plan that survives volatility
Market swings are inevitable. A resilient plan pairs the right asset mix with a clear spending strategy and a cash buffer.
James Okafor
Partner, Wealth Management
Every retirement plan looks good in a rising market. The real test is how it holds up in a downturn — especially in the years just before and after you stop working.
Separate spending from investing
Keeping one to two years of planned spending in cash or short-term bonds means you are never forced to sell growth assets at the wrong time.
Revisit your withdrawal strategy
A flexible withdrawal rule — spending slightly less after a poor year — can dramatically improve the odds that your savings last as long as you do.
The goal isn’t to predict markets. It’s to build a plan that doesn’t need to.
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