Your Wealth & Life Personal strategies for wealth management

In 1980, a well-diversified portfolio yielded 8% - 9%. Today, portfolio yields have declined to 2%. Even nearly a decade after the financial crisis, the “new normal” of low interest rates, modest economic growth and low inflation has given way to, simply, “normal.” If you’re like most income-seeking investors—especially retirees—this trend has a potentially far-reaching impact.

CIO Wealth Management Research’s latest edition of Your Wealth & Life: 2017 Retirement guide—Addressing the challenge of income (PDF, 1 MB) provides much-needed context about the concerns retirees are facing and offers insights that can help you plan for retirement with more confidence. It also answers important questions such as:

  • What’s driving current low interest rates and high equity valuations?
  • What are current “safe withdrawal rates”?
  • How can you reduce stress and increase satisfaction in retirement?
  • How can effective strategies such as the “3Ls,” bond ladders, immediate annuities and QLACs raise your clients’ confidence level?

Will you have enough for the retirement you want? Together, we can find the answers.

To better understand how to plan for retirement in a way that supports your overall financial goals, connect with a UBS Financial Advisor or find one.

About Your Wealth & Life

This quarterly report from the Chief Investment Office Wealth Management Research (CIO WMR) delivers actionable strategies and financial solutions to address your most pressing concerns, so you have more confidence pursuing your financial future.