Taking Care of Your Investment in Retirement
Wednesday, April 08, 2026
If you’re already retired, you’ve done the hard work of building your savings. Now the focus shifts to something just as important — making sure your money continues to support you, your lifestyle, and your peace of mind.
Retirement is not a static phase of life. It evolves over time, bringing new priorities, opportunities, and sometimes unexpected challenges. While markets, interest rates, and living costs will inevitably change (current day share market volatility, Iranian war and rising cost-of-living are the perfect example of this), a well-considered and regularly reviewed plan can help you stay steady and confident. The aim is not to predict every twist and turn, but to ensure your strategy is resilient enough to adapt.
It’s about maintaining income, not just preserving capital
In retirement, your investments take on a new and very practical role. They are no longer just a balance on a statement — they become the engine that supports your everyday life.
Your portfolio should work to:
- Provide you with reliable, regular income
- Support your day-to-day lifestyle as much as possible
- Provide some freedom to enjoy your retirement which may include travel, hobbies, or family
This shift in purpose often requires a different mindset. While preserving capital remains important, focusing solely on “not losing money” can be limiting. Instead, the goal is to create a sustainable income stream that can weather different market conditions.
Achieving this involves finding the right balance between drawing income now and keeping enough invested for the years ahead. At Maher Digby we work closely with you to establish the right balance for your individual circumstances.
Your retirement may last longer than expected
Many retirees today enjoy longer, healthier, and more active lives than previous generations — something worth celebrating. If you are retiring around 65 years old, you would likely experience at least two or three decades of retirement lifestyle. However, this also means your savings may need to last 20, 30, or even more years.
This longevity introduces what’s often called “longevity risk” — the possibility of outliving your savings. Managing this risk doesn’t mean becoming overly cautious or avoiding markets altogether. In fact, doing so can increase the risk of your money not keeping pace with inflation.
Instead, the focus should be on:
- Drawing a sustainable level of income
- Keeping part of your portfolio working for long-term growth
- Adjusting your plan as your needs and circumstances evolve
A flexible strategy is key. Your spending patterns may change over time — for example, higher costs in early retirement for travel and activities, followed by more stable or reduced expenses later. At Maher Digby, our regular portfolio reviews allow your investment plan to adjust and reflect these changes, ensuring it remains aligned with your goals.
Staying confident through change
You don’t have to manage this alone. Ongoing guidance and regular check-ins can help ensure your strategy continues to meet your needs, giving you the clarity and reassurance to focus on what matters most — relaxing and enjoying your retirement. At Maher Digby we are committed to keeping a close eye on your investment strategy so you can do just that.
For more Information contact Mark Digby at Maher Digby Securities Pty Ltd - Financial Advisers – AFSL No. 230559. This document was prepared without taking into account any person’s particular objectives, financial situation or needs. It is not guaranteed as accurate or complete and should not be relied upon as such. Maher Digby Securities does not accept any responsibility for the opinions, comments, forward looking statements, and analysis contained in this document, all of which are intended to be of a general nature. Investors should, before acting on this information, consider the appropriateness of this information having regard to their personal objectives, financial situation or needs. We recommend consulting a financial advisor.