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Planning for Retirement in Uncertain Times

Finances

Consider it the new normal: planning for financial success in uncertain times. While it can be tempting to hold off on making decisions or taking action, waiting to see what changes future legislation may bring isn't likely to help you reach your retirement goals. In fact, now is an opportune time to plan for the future and make sure you're on track for the retirement you've always dreamed of.

"Trying to time the market is a loser's game," says Robert R. Johnson, president and CEO of the American College of Financial Services. Instead, investors should create a long-term strategy that guides them through the expected ups and downs of the market—as well as more tumultuous conditions.

What that plan looks like depends on the investor, their retirement goals, and how close to retirement age they are.

Soon-to-be-retirees are in what Johnson calls the "retirement red zone," likening it to a football game. "Just as a football team can't afford a turnover when they are inside the opponent's 20-yard line, an investor can't afford a turnover when they are within a few years of retirement," he says. If you're close to scoring your retirement touchdown, Johnson suggests dialing down the risk in your portfolio. That way, you're protected if the market falls closer to your retirement.

Although younger investors have time on their side, since they can bear more fluctuations in the market, they too should be playing the long game, says Johnson. "Building a well-funded retirement is a marathon, not a series of sprints," he says. "Take a long-term perspective and your odds of success increase dramatically."

Athene and its employees are not authorized to provide tax, legal, or investment advice. Please contact a qualified professional for such advice.

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Annuities contain features, exclusions, and limitations that vary by state. For a full explanation of an annuity, please refer to the Certificate of Disclosure and contact your Financial Professional or the company for costs and complete details.

This material is a general description intended for general public use. Athene Annuity and Life Company (61689), headquartered in West Des Moines, Iowa, and issuing annuities in 49 states (including MA and D.C.), and Athene Annuity & Life Assurance Company of New York (68039), headquartered in Pearl River, NY, and issuing annuities in New York, are not undertaking to provide investment advice for any individual or in any individual situation, and therefore nothing in this should be read as investment advice. Please reach out to your financial professional if you have any questions about Athene products or their features.

The term “financial professional” is not intended to imply engagement in an advisory business with compensation unrelated to sales. Financial professionals will be paid a commission on the sale of an Athene annuity.

ATHENE ANNUITIES ARE PRODUCTS OF THE INSURANCE INDUSTRY AND NOT GUARANTEED BY ANY BANK NOR INSURED BY FDIC OR NCUA/NCUSIF. MAY LOSE VALUE. NO BANK/CREDIT UNION GUARANTEE. NOT A DEPOSIT. NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY. MAY ONLY BE OFFERED BY A LICENSED INSURANCE AGENT.