This Four-Part Retirement Strategy Can Help Withstand Bad Timing

If you’re worried about the markets being down when it’s time for retirement, consider dividing your assets among different baskets to boost your confidence.

A retired man looks at his laptop with his smiling wife looks over his shoulder.
(Image credit: Getty Images)

Diversification used to be simple enough. A typical portfolio included stocks, bonds, and cash.

But that kind of traditional diversification has proven less effective in recent years as market volatility has increased. Discovering if your portfolio is designed to prosper during good market environments and withstand poor ones is essential.

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This article was written by and presents the views of our contributing adviser, not the Kiplinger editorial staff. You can check adviser records with the SEC or with FINRA.

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David W. Johnston, CFP®
managing partner, Amwell Ridge Wealth Management

David Johnston is the managing partner of Amwell Ridge Wealth Management and a CERTIFIED FINANCIAL PLANNER™ professional. He built the firm around the fundamental belief that a proper financial plan begins with risk management, then infuses innovative, enhanced diversification within an investment portfolio. Johnston earned a Bachelor of Science in finance from the College of New Jersey.