- January 1, 2016: Vol. 3, Number 1

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Balancing Retirement Investing: Steady income is not enough; retirement investors need stock price growth, too, to build their assets

by Brad Case

Retirement portfolios demand more than other portfolios. Investors in or near retirement need solid total returns, both to build their financial security and to help them leave a legacy. Of course, that is also true of investors who have a long time until retirement, but retirement investors need so much more, too — they need protection against inflation sapping their buying power; they need lower risk to protect against portfolio depletion; they need diversification to moderate their wealth fluctuations; and, above all, they need steady, sizeable current income to pay their living expenses.

So how can you help your clients reach all of these goals? The secret is to help them balance total returns and current income: find assets that provide both, rather than leaving them flailing with investments that sap their wealth by sacrificing returns for the sake of today’s distributions, or that promise future appreciation but simply do not pay today’s bills.

Here is an

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