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December 24.2025

2 Minutes Read

Navigating Alternative Investments in Retirement: Essential Tips for Seniors

Abstract businesspeople interacting on puzzle pieces, illustrating alternative investments in retirement plans.

Understanding Alternative Investments in Retirement Plans

As retirement approaches, many pre-retirees and seniors are exploring diverse avenues to strengthen their financial future. A recent panel discussion highlighted the cautious approach required when integrating alternative investments into defined contribution (DC) plans. Experts emphasized that while these investments expand choices, they come with complex challenges.

The Case for Alternatives in DC Plans

Marcia Wagner, a legal expert in retirement planning, underscored that alternatives can be beneficial but must be approached with caution. Allocating a small percentage of investments to alternatives, particularly within professionally managed multi-asset funds like target-date funds, can enhance portfolio diversification. This strategy may help mitigate concentration risks commonly found in traditional investments.

Potential Drawbacks and Risks Inherent in Alternatives

However, the introduction of private market assets isn't without risks. Wagner pointed out ongoing challenges, including monitoring, liquidity, and valuation hurdles. Any investment decisions must be documented meticulously under fiduciary standards. It’s crucial for investors, especially seniors, to weigh the potential risks against the rewards of these complex asset classes.

Opportunities for Improved Portfolios

Neil Loftus from Apollo Global Management suggests rethinking alternatives as merely non-public assets. By venturing beyond the public markets, retirees can create more balanced portfolios that adapt better to volatility. For many seniors, exploring alternative investments could mean more stability and potential for growth in an unpredictable financial climate.

Utilizing Resources Effectively

In navigating this complex landscape, seniors should consider utilizing tools and services designed for retirement planning. Financial planners can provide tailored strategies to help maximize benefits from various account types. Connecting with local retirement advisors or using online retirement planning tools can make managing these investments more accessible and systematic.

As you consider your retirement options, remember that prudent planning, evaluation of all investment vehicles, and seeking expert guidance play crucial roles in achieving security and peace of mind in your later years. Contact Terri Jo, your Senior Benefits Specialist at 231-571-6100, to better understand how to incorporate modern strategies into your retirement planning.

Retirement and Financial Security

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Navigating Alternative Investments in Retirement: Essential Tips for Seniors

Understanding Alternative Investments in Retirement Plans

The Case for Alternatives in DC Plans

Potential Drawbacks and Risks Inherent in Alternatives

Opportunities for Improved Portfolios

Utilizing Resources Effectively

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