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What Is Retirement Income Planning?

Wells Fargo Investment Institute – October 2017

Whether retirement is just around the corner or on a distant horizon, you may be concerned about how to generate an income stream to last years, or even decades, without exhausting your assets.

Keys to addressing these concerns are to create a retirement income plan while you’re still working full time and to implement it, making adjustments when necessary, through retirement. During the planning process, it’s important to:

  • Estimate what your spending and income needs may be and adjust your portfolio to address those needs
  • Understand the variety of income sources, such as Social Security, pensions, investments (including employer-sponsored plans), and savings, you may have available in retirement
  • Focus on a total-return approach and understand the difference between portfolio yield and income
  • Determine an appropriate withdrawal rate to help mitigate market and longevity risks

To learn more, download your free guide on retirement income planning.

Download Our Free Guide (PDF)