As you approach retirement, diversification becomes even more important in protecting your nest egg and ensuring long-term financial security.

1. Reducing Risk

By diversifying your investments across different asset classes—such as stocks, bonds, and real estate—you can reduce your overall risk. If one asset class underperforms, gains in another can help offset the losses.

2. Combatting Market Volatility

A well-diversified portfolio helps protect against market downturns, which can significantly impact retirees who depend on their savings. Adding stable assets like bonds or annuities can provide a safety net during periods of volatility.

3. Keeping Up with Inflation

Diversifying into growth assets, like stocks, can help your portfolio keep pace with inflation, ensuring that your purchasing power is maintained throughout retirement.

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Resources:

• Vanguard: The importance of diversification in retirement: Vanguard.com
• Morningstar: Investment strategies for retirees: morningstar.com

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