Smart Strategies For Investing During Retirement

Smart Strategies for Investing During Retirement

If you’re investing during retirement, you’ll likely be placing a premium on immediate income generation. Investing during retirement doesn’t provide you with the same luxury of time or alternative income sources like pre-retirement investing. This means that the investments themselves must yield consistent income.

If you’re retired or will retire soon, you also have many other things to consider in your retirement plan, such as how to pass on value to future generations, estate planning, and how much you can safely withdraw each year without compromising your portfolio.

This guide will help you clarify your plans and realize your goals.

Consider these strategies:

  1. A dollar today will not be worth the same as a dollar tomorrow. Inflation has shown to be a game-changer in in the economy for the past several decades and this trend shows no sign of slowing down.
  • It’s important to consider including some medium risk investments in your portfolio to help offset the effects of inflation. Having too conservative of a portfolio could mean that your yearly earnings will lag behind the rate of inflation.
  1. How much can you withdraw? This may be one of the single-most confusing areas for retirees. Often individuals approaching retirement may plan on withdrawal rates as high as 10%.
  • A more realistic number is 3% to 5%. By opting for a lower asset withdrawal rate, you’ll be able to help ensure that you don’t outlive your retirement savings.
  1. Costs, fees and penalties. Some companies may offer attractive-sounding fee percentages at just one or two percent. However, in some situations, these fees can amount to thousands of dollars in lost earnings.
  • Additionally, some savings have fees and penalties associated with early withdrawals and this can end up costing you a pretty penny as well. Depending on the type of account, the fees can be as high as 35%!
  • Before you invest, find out all the fees you may incur, including any for early withdrawal. Ask when would be the earliest date you could withdraw without extra costs. Then determine if this date fits your needs.
  • Ensuring that you understand the fees associated with your accounts can save you a considerable amount of money.
  1. Work with an advisor. It may be possible to do it all yourself, yet chances are you could benefit from the added experience that a trusted financial advisor brings to the table. This is not the same thing as working with a broker, which could cost you additional and unnecessary fees.
  • A financial advisor can help you navigate your retirement investing with ease. An advisor can also help you develop a withdrawal strategy that is both tax-efficient and helps minimize penalties or avoid them altogether.

Investing during retirement may seem intimidating, yet it pays to be smart. Being aware of potential pitfalls puts you in a better position than most people, who base their whole retirement plans on false pretenses and inaccurate assumptions.

Whether you’re currently retired or planning ahead, it’s never too late to begin taking steps to maximize your earnings when investing during retirement.

Get more income & keep your money safe in retirement! Spots are filling up fast! Schedule your FREE chat with an advisor today and see how we can help you reach your retirement goals!


Kenner French, is a former small business contributor at, author of three books, an executive at AI-focused, a keynote speaker, and a Dave Matthews Band fan!



Kenner French

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...of ABC's Shark Tank says in this video that Kenner is using AI "in an innovative way to help (entrepreneurs) save on taxes." Kenner has saved hundreds (if not thousands) of entrepreneurs IRS/tax dollars, increase wealth, and protect their financial legacy. His strategy can work for you as it has so many entrepreneurs across the globe!
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