One day, the stock market records an extraordinary gain. The next, it drops again. During periods of extreme volatility, checking an investment account can feel less like reviewing a retirement plan and more like stepping onto a roller coaster without knowing where the next turn will lead.
Recorded during the sharp market swings of April 2025, this episode of Coasting in Retirement focuses on what investors could consider after understanding the forces behind the turbulence.
Josh Null is joined by Jay Stubbs of Providence Partners to discuss options for people who feel uncomfortable remaining fully exposed to dramatic market movements. They explore how hedged equity strategies may seek to limit a portion of portfolio losses while preserving access to potential growth and future buying opportunities.
Josh and Jay also examine several insurance based options designed for capital protection or retirement income, including multiyear guaranteed annuities, fixed index annuities, deferred annuities, and single premium immediate annuities. Their conversation considers both the potential benefits and the limitations of moving money away from market risk.
Should volatility cause you to change your strategy, or reveal that your existing investments never matched your tolerance for risk?
Listen to the full episode to hear Josh and Jay discuss ways retirees may balance growth, protection, liquidity, and dependable income when markets become difficult to stomach.
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