Meet Shirley. She's worried about outliving her savings.

  • Shirley has always been well aware of the unique challenges women face in retirement, such as a comparatively longer lifespan. When her husband passed away, these challenges really hit home. Shirley doesn't want to be a burden on her family, but she is afraid that she may be at risk of outliving her savings.

  • Shirley wants to be confident about her financial future so she asks her financial advisor about making her portfolio more durable.

  • After assessing her situation completely and discussing her options thoroughly, her financial advisor tells her that because sources of durable income are rooted outside the scope of the three traditional investment classes: stocks, bonds and cash or cash equivalents, they are much less correlated to the broader market. That's because unlike other investment classes, investments aligned with a durable income approach, including alternative investments, generate returns from multiple sources. More sources of return mean less dependence on any one market factor in particular. Even at times when political, macroeconomic or other events negatively impact stock, bond or even fixed income prices.

  • Shirley allocates a portion of her portfolio to alternative investments which her advisor is confident have the ability to generate investment returns from multiple sources and are less correlated to stocks and bonds. She is confident that if the markets suffer significantly in the future, her finances won't necessarily have to as well. Shirley now spends less time worrying about her retirement portfolio and more time focusing on her grandkids, and herself.


Meet others using the Durable Income Approach:

durable income profile

Shirley

durable income profile

Andie

durable income profile

Dwayne

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Steve


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