For Financial Professionals in the US

Three Tiers of Retirement Income

A simple, yet powerful tool to help investors allocate money to generate the cash flow they need

In a low interest rate environment, generating income can be challenging for many retirees. As a result, the search for a competitive yield has led some investors to assume additional, but not always fully understood, risk.

The impact of these decisions is commonly felt during times of market volatility and prolonged economic stress and can quickly devastate a portfolio’s ability to generate sustainable, long-term cash flow.


Investors looking for income may benefit by implementing an entirely different approach to their investment decisions. The starting point is the recognition that income and yield are two entirely different concepts.

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