How to create your own retirement skid path

You may be familiar with the term “regression path” as it relates to investing. Refers to the way asset allocation becomes more conservative as you get closer to your goal. But you can also set up a slippery path to take you into retirement, especially if you’re preparing for retirement but don’t want to make all the drastic changes associated with leaving the workforce at once. Sliding into retirement may involve making gradual changes to your workload, social networks, and outside interests.

In investment terminology, a “regression path” describes how the mix of investments changes over time. Typically, the mix becomes more conservative — with fewer stocks and bonds, for example — as an investor approaches a goal like retirement.

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