Two Ideas: "Paycheck Replacement*" and Principal to Grow One of the most important goals for investors facing retirement is the comfort of knowing that they can sustain their desired level of spending throughout their lives, without the fear of running out of money. PIMCO's retirement framework seeks to provide advisors and investors a simple way to approach retirement investing and aims to address the desire for both predictable income and long term growth — without giving up control or the ability to change course. Seeks to solve for predictable income and portfolio growth Intuitive to understand, simple to implement and maintain Flexible to allow for changes in spending over time Income to Outcome: PIMCO’s Retirement Framework 11Read More "Paycheck Replacement*" Laddering into Retirement As investors enter retirement they may wonder how they might replace all or a portion of what their paycheck provided with a new source of predictable income. Market volatility can make it difficult to maintain steady investment income in retirement. And much of the traditional thinking on how to best replace income can be confusing. Our framework offers a simple approach. A "target maturity" bond portfolio that can be extended throughout retirement and that seeks to deliver a predictable income stream along the way A well structured approach to retirement income may allow investors the flexibility to consider better claiming strategies for their social security benefits (investors should speak with their investment and tax professionals) Gives investors flexibility to manage level and extent of spending over time Principal to Grow Investing For Growth While laddered bond strategies seek to deliver predictable income, they are not designed for growth. We think it's important for retirees to consider whether they can benefit by investing a portion of their assets in a long-horizon growth portfolio which can invest in higher risk assets to address future (often unknown) spending needs or leave more for loved ones or charity. Capital may grow faster when unburdened by near-term withdrawals Filters: Filters: Reset All Filters XClose Filters Dropdown Topic/Tag Tags Reset Close Category Category Reset Economic and Market Commentary Investment Strategies Viewpoints Close Download ({{cCtrl.itemsToDownload.length}}) Empty Remove {{selOpt}} Filter () filters applied Additional Thought Leadership Section : Date : Experts : Remove Filter Reset All Featured July 2020July '20 Save Chart Download https://www.pimco.com/en-us/7wwphp6mhs1v Copy Link Share Featured Solutions Worried About Retirement? PIMCO’s Plan to Help Retirement Savings Last a Lifetime Worried About Retirement? PIMCO’s Plan to Help Retirement Savings Last a Lifetime Featured October 2019October '19 Save Chart Download https://www.pimco.com/en-us/7j21q2wgv1xx Copy Link Share Featured Solutions Financial Advisors and Retirement: The Decumulation Dilemma Financial Advisors and Retirement: The Decumulation Dilemma Featured September 2019September '19 Save Chart Download https://www.pimco.com/en-us/7hycjlg0fjd2 Copy Link Share Featured Solutions An Untimely Retirement: The Dangers of 'Sequence Risk' for Retirees An Untimely Retirement: The Dangers of 'Sequence Risk' for Retirees Working with a Financial Advisor The value of partnering with a financial advisor to plan for your retirement extends beyond investment performance – talk to your financial advisor to learn how PIMCO’s retirement framework, Income to Outcome: Investing in Retirement, can contribute to your retirement goals. 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Featured Solutions Worried About Retirement? PIMCO’s Plan to Help Retirement Savings Last a Lifetime Worried About Retirement? PIMCO’s Plan to Help Retirement Savings Last a Lifetime
Featured Solutions Financial Advisors and Retirement: The Decumulation Dilemma Financial Advisors and Retirement: The Decumulation Dilemma
Featured Solutions An Untimely Retirement: The Dangers of 'Sequence Risk' for Retirees An Untimely Retirement: The Dangers of 'Sequence Risk' for Retirees