Goals-Based Investing (GBI): The retirement case

Aligning portfolios with real-life goals

• Goals-Based Investing (GBI) shifts the focus from volatility to goal success, defining risk as the probability of not meeting real-life financial objectives.
• A GBI approach structures portfolios around clearly defined goals, aligning assets, time horizons, cash-flows, and confidence levels within a coherent framework.
• GBI integrates retirement planning, distinguishing essential and discretionary goals to better manage longevity and sequence risks.
• By dynamic adjusting contributions, spending, and risk, GBI supports investors on keeping their long-term retirement objectives on track.

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