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There was a second outbreak in Europe and the United States, and the number of confirmed cases exceeded the level of the first outbreak. Some European countries have reinitiated the blockade policy. The market is concerned that the economy that has finally started to recover will hit again.
Since the beginning of this year, the epidemic has not only put employees in certain industries at risk of unemployment, it has also caused great distress for those preparing to retire or those who have already retired. As the world’s leading countries cut interest rates to save the economy, it is predictable. In the future, the low-profit environment will continue to hold and income will become increasingly scarce. In addition, we need to be concerned about the asset crunch caused by market turmoil.
Retirement Investment Strategy 1: Seek Stability, Multiple Asset Diversification Is Best
Liu Xiangqing, manager of the Aberdeen Standard 360 Multi-asset Income Fund, believes that the top priority of wealth management for retirement is stable. Faced with a high volatility and low return investment environment, assets rotate very quickly. If you trust only one asset class, it’s easy to expose your wealth at high risk. The allocation of equity and debt balances that investors were used to in the past is now difficult to fully implement. In recent years, stocks and bonds have often shown positive correlations.
Therefore, the current general approach is to update the investment portfolio and use multiple asset allocations to achieve the effect of stable earning. In particular, the simultaneous inclusion of stocks, bonds and alternative investments that have low correlation with traditional assets can strengthen the diversification effect.
Liu Xiangqing took US actions as an example. Its correlation with alternative investments such as social infrastructure and renewable energy infrastructure is very low. This new type of multi-asset fund can not only diversify risks, but also improve the portfolio’s vulnerability to emergencies. Shock resistance.
Retirement Investment Strategy 2: Monthly Dividends and Living Water, Diversified Income Streams
In addition to the need for shock resistant assets, the most important point for retirees is how to maintain a good monthly cash inflow account. The advantage of multiple assets is that they also cover multiple sources of income while fighting for pay.
Liu Xiangqing took the Aberdeen Standard 360 Multiple Asset Income Fund as an example. The fund’s annualized average monthly dividend rate is approximately 4-5%. Stocks, bonds, and alternative investments in the portfolio have their own roles. Stocks are for Create Rewards and Seek Capital Gains Through Global Equity Markets and Moderate Dynamic Option Trading.
Bonds and alternative investments are dual income engines. Alternative income-based investments such as social infrastructure, renewable energy infrastructure, and alternative REITS logistics centers have an average return of about 4-5%, which is comparable to traditional high-yield bonds and high-yield bonds. emerging markets. The 5-6% gap is not large.
The financial market is changing rapidly. If you want to retire with peace of mind, you must update your financial management for retirement! By allocating 333 stocks, bonds and alternative investments, the shock resistance of assets has been improved and returns have also been increased. Even if you live to old age, your assets are relatively resistant to old age, so you don’t have to worry about retirement.
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