Active is: Thinking long term, today

A new mindset of planning to navigate unpredictability

As black swan events continue to derail the global financial markets, agile strategies have become more important for investors to diversify risks. Life is like investing: flexibility is crucial for us to navigate the abrupt transitions throughout our lives. Individuals often feel insecure about retirement life in the absence of regular income. To sustain a hassle-free retirement, ample planning is needed not only beforehand but also after retirement.

AllianzGI Retirement Confidence Survey 2020

According to AllianzGI’s Retirement Confidence Survey conducted in July 2020, Hong Kong’s middle-aged pre-retirees – the Sandwich Generation – don’t fancy their odds of retiring comfortably due to the likely shortfall in their retirement savings. Indeed, retirement planning doesn’t stop at retirement. To achieve a comfortable retirement, it is crucial for individuals to invest prudently during not only the accumulation phase to protect investment assets, but also the decumulation phase during retirement to sustain a stable income flow.

Let’s take a look at the following findings.