Access
Will you have access to money when you need it?
Over the 20 to 30-plus years your retirement will span, no doubt there will be unexpected challenges – and opportunities – along the way. You'll need assets readily available to handle the unexpected and still maintain your lifestyle.
Funding Emergencies
You need to make sure you have ready access to funds just in case you need them. And if you do need to take withdrawals, you need to be confident you won't be jeopardizing your long term financial security. So how do you accomplish that? One way is to keep a small portion of your retirement assets in liquid investments, earmarked for emergency needs. That way you can withdraw your money if needed - without affecting your overall investment strategy.