08/09/2026
What happens if investment returns are lower than expected as you get closer to retirement? π€
It can be tempting to move everything into more conservative investments when markets become uncertain. But that could also mean giving up some of the long-term growth you may still need to keep pace with inflation and your withdrawals.
There are other strategies to consider, from building a defensive cash buffer and adjusting your spending, to delaying retirement by a year or two or looking at different ways to structure your retirement income. π€Ή
The right approach will depend on your circumstances, goals and how much income youβll need.
Want to know what options could help you manage lower returns without completely giving up on growth?
π Find out more in our latest article: https://www.financialwriters.com.au/financial-writers-australia-articles/retirement/retirement-planning/1204-retp084-how-to-manage-lower-investment-returns-as-you-get-closer-to-retirement-754-words