4 Risks to Your Retirement Income

Watch out for these four risk factors which will fast erode the hard-earned and hard-saved cash in your pension pot post retirement

Emma Wall 8 April, 2016 | 5:07PM

This article is part of our Guide to Maximising Your Pension, helping investors build up the maximum possible pension pot – and turn it into the maximum possible retirement income.

Investing in retirement is a very different prospect to pre-pension age. Where the focus in your 20s, 30s, 40s and even 50s is on growth assets, once you retire, your portfolio goals become capital preservation and above all, income.

This is not to say more volatile securities, such as emerging market equities and venture capital investments have no place in a post-retirement portfolio. But in retirement, you are more likely to be forced to crystallise losses as you drawdown your pension pot to pay for essential expenditure.

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The information contained within is for educational and informational purposes ONLY. It is not intended nor should it be considered an invitation or inducement to buy or sell a security or securities noted within nor should it be viewed as a communication intended to persuade or incite you to buy or sell security or securities noted within. Any commentary provided is the opinion of the author and should not be considered a personalised recommendation. The information contained within should not be a person's sole basis for making an investment decision. Please contact your financial professional before making an investment decision.

About Author

Emma Wall  is former Senior International Editor for Morningstar

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