THE NEW HOLISTIC RETIREMENT • 35
What’s a Saver to Do? Sgroowwhthata’sntdheprroigtehcttlioonng?game thinking when it comes to asset You can’t eliminate the saver’s dilemma, but you can do a btheettteirmjeobtoamddarkeesasidnjgusittminenyotsu.r retirement approach. Now is For many people, one way to address the saver’s dilemma is to incorporate indexing into your retirement strategy. Indexing is a method of crediting interest that can be fcoaus hn dvianl ume ullitfiep l ei n fsiunraanncci ae l ti on s tprrui nmcei pn at sl -, pf rr oo tme cat endn umi t iaensaagne dd ps toorctkf o lmi oasr. kFeotr st hi ni sc ed itshcauts siiso nt,hIe’ l l clhoaolkl eantg ei n dwi cee’ rse t iterdy itnog t ht oe address. Regardless of the instrument you use, the concept pr ermo daui nc ts, tyhoeus ahma vee. Ftohre epxoa tme np tl ei a, l wtiot he aa nr ni nad epxoerdt i oi nns uorfa nt hc ee ma ma rokuentt’ sogf r oi nwt et hr eesat cthh ayte awr ,i lul pb et ocar ecdaipt e. dA icna pa ni sy agmi vaexni mt iumme ps aevr ei ords .wFiol lreeaxranmt hpel ef,i ri fs ta1n0i npde er cxehnat so fa t chaepmoaf r1k0e tp’ serricseen. tI f, tt hh ee mfirasrtk1e0t pgerorcwesnt1.5 percent, the savers would only realize the markSeot’ws hgryowwothu?ld I recommend you give up the rest of the FWohr itl eh e i pn rdoi ct ee cs t ihoanvoef f ear ecda pi n, tthhee ye vaelnstoo fhma vaer kae t fflaolol or u to!f pc rreodt ei tcetdi o ni n. Tahni ys i gs iav emni nt ii mm ue mp earmi oodu. nUt souf ai nl l tye, r tehsits y fol uo owr i lils b 0e pt heer cme na rt .k Pe tu it s adnoowt hne, ry owua dy o, ni n’ tdleoxsien gm mo naekye. sI ns u2r0e0, 8e, vwe nh ewn ht eh ne market dropped 37 percent, savers with indexed products in
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