Allocation During Retirement: Adding Annuities to the Mix

by William Reichenstein

Allocation During Retirement: Adding Annuities To The Mix Splash image

A considerable amount of research has been devoted to the topic of asset allocation and the role it plays in retiree portfolios.

A retiree’s portfolio is not quite the same as the portfolio of an individual saving for retirement, because typically a retiree is withdrawing from his portfolio. The focus of the research has been how various asset allocation strategies can affect those withdrawals—specifically, which mixes will ensure a withdrawal rate that is both high but also “sustainable” over the retiree’s lifetime.

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Until recently, most of the research has centered on the basic asset categories of cash, bonds and stock, and some of the more popular subcategories—for instance, small-cap stocks, value stocks, etc.

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