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Alternative Market Briefing

Investors rethink retirement math

Tuesday, December 01, 2020

Bailey McCann, Opalesque New York:

Investors are rethinking their retirement planning as worries about longevity risk and economic uncertainty grow, according to a new retirement study from Schroders. The data suggests that individuals are planning to limit spending on luxury items later in life in favor of saving. Many respondents cited longevity risk as the reason for holding on to more cash as they age. Others find retirement to be out of reach. These trends could impact markets and change some investment strategies over the long-term.

21% of those surveyed said they would invest their disposable income back into their retirement savings, significantly up on 5% three years ago, when Schroders last conducted this survey. A further 26% of retirees would invest in another type of investment vehicle such as equities, bonds or commodities. Many retirees indicated that they expected lower returns than expected over the coming years.

41% of respondents said they worried about outliving their retirement savings and many thought their retirement incomes would not be sufficient over the remainder of their lives. A further 41% of non-retired people expected to continue working well into advanced age if they ever retire fully at all. Investors cited that the consistent changing of rules around retirement by their government was hindering their ability to save, with investors in Thailand, Austria and China most disillusioned.

"Following a year of significant investment a......................

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