Hitting Your Stride, Investment Advice, asset allocation, retirement income

Hitting Your Stride

Funding your retirement is never a straightforward process. Economic downturns and unexpected expenses make it difficult to be consistent. But eventually, saving becomes part of your routine. And your efforts are rewarded when you look back and see how much you’ve been able to set aside even before you’re scheduled to retire.

While it’s important to map out a strategy and trust that will get you where you need to go, it’s also important, especially mid-career, to periodically reassess your goals and adjust your strategy accordingly.

What should you think about when deciding if your retirement planning still works?

  • Consider how life events—marriage, children, home purchases—affect your plan
  • Assess the progress of your current portfolio
  • Rethink your risk tolerance as you get closer to retirement
  • Consider adjusting your strategy

Speak to a SunTrust Investment Services, Inc. Advisor today: 844.206.8900

What’s new to affect your plan?

Any number of life events may affect how much you can or need to save for your retirement income:

  • Getting married
  • Getting divorced
  • Buying a home
  • Changing jobs
  • Having children
  • Starting a new business
  • Going back to school
  • Receiving an inheritance
  • Coping with sickness or death in family
Anytime you undergo any of these changes, consider how they affect your retirement planning.

Are you moving toward your goals?

Chances are you have a more realistic idea of what you want from retirement. As your expectations change, so should your plans. And your finances may be more complicated than when you started. If your investments are spread across multiple retirement accounts and investments, a SunTrust advisor can help you take a holistic look at your current situation to help you in accommodating your strategic goals.

Is your attitude toward risk changing?

Just as your circumstances change, so does your capacity to take on risk. You may be able to take more risk, or you may have become more risk-averse. Either way, a SunTrust advisor can help you identify savings and investing strategies that balances the growth you need with the confidence you seek. Factors influencing risk tolerance include:

  • Age
  • Personality
  • Family status
  • Earning power
  • Financial literacy
  • Years until retirement

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