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A blending of strategies: To determine if you are a constrained investor, you would calculate the ratio of your minimum annual living expenses to the value of your net investment assets. If the outcome is more than three percent, you could be classified in the constrained category. In that light, reducing risk to retirement income would be top priority, and one of the main ways to do so is by blending “bucketing” and “flooring” strategies from an annuity.

A breakdown: This seven-segment hybrid strategy not only builds protection from inflation, but timing and longevity risks as well. As shown here with a case study included, the plan itself features three components, all of which are aimed at balancing protection and risk for a streamlined monthly income:

📌 Five, five-year segments to produce income over a 25-year span

📌 A sixth segment of aggressively-invested, liquid, 25-year-hold capital appreciation account meant to provide old-age income, serve as a legacy or assist with long-term care expenses

📌 An annuity-funded seventh segment meant to assist in providing lifetime income

My two cents: Your income strategy doesn’t need to be nearly this complex; however, you do need a strategy and a variation of what is described in this article. It may be just what the doctor ordered.