Multi-Asset

Can late boomers avoid retirement bust?

The savings challenges facing the last of the baby boomers and the earliest cohorts of Generation X have fundamentally changed. The combination of low inflation, repeated financial crises, falling yields, lower levels of pension security as well as increasing longevity make successful retirement saving increasingly difficult.

04/03/2018

Andrew Connell

Andrew Connell

Head of Portfolio Solutions

The savings challenges facing the last of the baby boomers and the earliest cohorts of Generation X have fundamentally changed. The combination of low inflation, repeated financial crises, falling yields, lower levels of pension security as well as increasing longevity make successful retirement saving increasingly difficult.1

Against this backdrop, in this paper we explore the key issues a “late career” saver (for our purposes an individual over 50) should consider when investing both for and through retirement. Throughout the paper there is an assumption that the savings approach being contemplated is a secondary layer of retirement provision and the individual has a foundation layer from another source (most likely state provision).

The views and opinions contained herein are those of Schroders’ investment teams and/or Economics Group, and do not necessarily represent Schroder Investment Management North America Inc.’s house views. These views are subject to change. This information is intended to be for information purposes only and it is not intended as promotional material in any respect.