Rely On Math, Not the Market, for Your Retirement Income

Written By Matthew Copley

Market volatility can leave retirees anxious about significant losses from which they may never recover.

These concerns are valid. From 1928 through March 2022, there have been 26 bear markets. A bear market is a decline of over 20%, lasting at least two months. The average bear market decline since 1928 has been 35.62%, indicating a real potential for significant losses.

Fortunately, there are strategies to safeguard yourself from these inevitable downturns. The key is to allocate your funds into distinct categories.

image explaining why you should Rely On Math, Not the Market, for Your Retirement Income

The Income Pocket

Retirees must determine the monthly amount needed to cover their lifestyle expenses in this category. This includes necessities like groceries, utilities, other essential bills, and funds for leisure activities.

The Growth Pocket

While caution is necessary, retirees can afford to be more aggressive with investments in this category. Since their income needs are covered and they have a safety fund for emergencies, this pocket allows them to keep pace with—and ideally outpace—inflation.

Matthew Copley

Matthew Copley throughout his career with various financial institutions has specialized in helping retirees and pre-retirees plan for and navigate their retirement. He believes you would be hard pressed to find a financial advisor in the greater San Diego area that is more passionate about maximizing retirement income while reducing taxes.

He is a financial advisor that enjoys helping people and it shows in the fact that he has conducted hundreds of educational workshops over the years. These workshops cover various retirement planning topics including “How To Maximize Social Security Benefits”, and “Understanding the Different Types of Annuities”, just to name a few. He loves to help people with their finances.

https://www.financialplannersandiego.com/matthew-copley
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