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In the Loop
Role of Fixed Income Varies with Investor Age
March 22 2024Retirement plan participants preparing for retirement should have access to fixed income solutions that are flexible enough to address an individual’s particular needs and circumstances, including age. Younger investors tend to have fewer assets in fixed income investments, and they should primarily consider the diversification and total return potential of their fixed income options. Older investors, on the other hand, tend to be more concerned with market volatility and the stability, and typically allocation more to fixed income investments. Diversification remains a key consideration, but capital preservation and income generation become more important. As a result, retirement plan participants should have access to fixed income solutions that are flexible enough to address an individual’s changing needs and circumstances over the course of a lifetime.
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Risk Considerations:
Past performance is not a reliable indicator of future performance. The value of an investment and any income from it can go down as well as up. Investors may get back less than the amount invested.
All investments involve risk, including possible loss of principal. Fixed income securities are subject to credit risk, liquidity risk, call risk, and interest rate risk. As interest rates rise, bond prices generally fall.
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