Current as of 17 Feb 2026. Always verify current year rates.

Should I keep growth assets in retirement?

Short answer:

Many retirees keep some growth exposure because retirement can last decades and inflation reduces purchasing power. The trade‑off is more short‑term volatility, which matters if you’re withdrawing regularly. A practical way to think about it is: what money must be stable for near‑term spending, and what can stay invested for longer-term needs. Avoid ‘one-size-fits-all’ settings and review after major market moves.

Key takeaways

Retirement can be long, inflation risk doesn’t stop at 65
Growth can help long-term sustainability, but adds volatility
Regular withdrawals make downturns more impactful
Timeframe thinking (near vs later spending) can help
Review settings after big market moves and life changes

Why this matters

The right balance is about managing trade‑offs, not picking a perfect answer. Framing it around timeframes helps you keep choices open and reduces the risk of panic changes.

Mini-plan (3-4 steps)

List expected spending over the next 1–3 years versus later years.
Check your comfort with volatility using a risk explainer tool.
Consider whether you have a buffer for near-term spending needs.
Review your settings at least annually and after big market moves.

Sources (so you can verify)

Disclaimer: Information provided is general in nature and does not constitute personal financial advice. You should consider seeking advice from a licensed financial planner before making any financial decisions.

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