How to diversify your retirement portfolio
Retirement is evolving. As people live longer and guaranteed pensions become increasingly rare, retirement planning can’t be one-size-fits-all. It must be thoughtfully tailored to your goals. You’ve worked hard to build your future, so it’s important to make sure you’re protected now and you have plans in place to handle whatever comes next.
Traditional investments can be a powerful part of your retirement strategy, but they’re not the whole story. To feel truly confident about retirement, it helps to have a diversified set of products that help offer stability, growth opportunities, and guaranteed income.
In addition to investments, there are products like whole life insurance and annuities that can work well together to help give you more diversification in your retirement portfolio. They’re designed to help you protect and grow your assets, create dependable income streams, and help to de-risk your retirement portfolio.
Whole life insurance
Builds cash value over time, which you can access during your retirement.1,2
Annuities
Can provide protection and growth opportunities along with guaranteed income, so you can plan for your expenses just like you do with your paycheck.
Together
They can help reduce risk and create a more balanced retirement strategy.
And if you’re like the majority of Americans and you panic when the stock market is volatile, having financial products that offer stability can make all the difference.3 Whole life insurance and annuities are designed to provide more certainty when markets are uncertain.
Read more about finding calm during volatility.
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Let’s build your retirement strategy together
Whether you’re just starting to think about retirement or looking to strengthen your current plan, Guardian can help you take the next step to see what makes sense for your retirement goals.
Connect with a Guardian financial professional and start building a retirement strategy that can work for you.
Some whole life polices do not have cash values in the first two years of the policy and don’t pay a dividend until the policy’s third year. Talk to your financial professional and refer to your individual whole life policy illustration for more information.
Policy benefits are reduced by any outstanding loan or loan interest and/or withdrawals. Dividends, if any, are affected by policy loans and loan interest. Withdrawals above the cost basis may result in taxable ordinary income. If the policy lapses, or is surrendered, any outstanding loans considered gain in the policy may be subject to ordinary income taxes. If the policy is a Modified Endowment Contract (MEC), loans are treated like withdrawals, but as gain first, subject to ordinary income taxes. If the policy owner is under 59 ½, any taxable withdrawal may also be subject to a 10% federal tax penalty.
Retirement Redefined, Guardian, 2025
All guarantees are backed exclusively by the strength and claims-paying ability of the issuing insurance company.