Downside Protection

4 Ways to Fortify Your Retirement Against Market Whims…

1) Keep 1 to 2 years of living expenses in cash.

2) “The best returning portion of your bond portfolio is actually delaying Social Security,”

3) Adjust your portfolio withdrawal rate. Most retirees seem to tighten their belt in a down market without any encouragement.

4) Reduce debt.

Note that selling equities isn’t one of them.