How retirement investors can combat near-0% interest rates

Traditional strategies aren't producing—here's a new approach for current income and low risk A low-risk, income-producing strategy for today's market. Once upon a time, the formula for retirees was pretty simple: Set aside a certain portion of your nest egg in interest-bearing bonds to generate cash flow and income in retirement. That strategy worked great in the days when retirees could earn over 6% from risk-free U.S. Treasuries. But since the 2008 Global Financial Crisis, rates have stayed close to zero, and the global pandemic has caused even more pressure to keep rates low. With government bonds and other fixed income investments offering almost no return, where can retirees turn to earn income without excessive risk? Our new guide can help you answer this question. In this guide1, we unveil a strategy for generating income and achieving growth in the current interest rate environment. Retirement's Uphill Battle: Generating Income in a Low Interest Rate Environment If you have $500,000 or more to invest, get this helpful guide today. It surveys the traditional ways of generating income in retirement, and our effective approach to managing this critical challenge for those in or nearing retirement. Ready to get serious about pursuing your financial goals? Call 1-800-701-9830 today, or schedule a time with a Zacks Wealth Advisor. 1 Zacks Investment Management reserves the right to amend the terms or rescind the free Retirement's Uphill Battle: Generating Income in a Low Interest Rate Environment offer at any time and for any reason at its discretion. Past performance is no guarantee of future results. Inherent in any investment is the potential for loss. Zacks Investment Management, Inc. is a wholly-owned subsidiary of Zacks Investment Research. Zacks Investment Management is an independent Registered Investment Advisory firm and acts as an investment manager for individuals and institutions. Zacks Investment Research is a provider of earnings data and other financial data to institutions and to individuals. This material is being provided for informational purposes only and nothing herein constitutes investment, legal, accounting, or tax advice, or a recommendation to buy, sell or hold a security. Do not act or rely upon the information and opinions given in this document without seeking the services of competent and professional investment, legal, tax, or accounting counsel. Publication and distribution of this document is not intended to create, and the information and opinions contained herein does not constitute, an attorney-client relationship. No recommendation or advice is being given as to whether any investment or strategy is suitable for a particular investor. It should not be assumed that any investments in securities, companies, sectors, or markets identified and described were or will be profitable. All information is current as of the date of herein and is subject to change without notice. Any views or opinions expressed may not reflect those of the firm as a whole. Any projections, targets, or estimates in this document are forward looking statements and are based on the firm's research, analysis, and assumptions. Due to rapidly changing market conditions and the complexity of investment decisions, supplemental information and other sources may be required to make informed investment decisions based on your individual investment objectives and suitability specifications. All expressions of opinions are subject to change without notice. Recipients should seek financial advice regarding the appropriateness of investing in any security or investment strategy discussed in this document. Certain economic and market information contained herein has been obtained from published sources prepared by other parties. Zacks Investment Management does not assume any responsibility for the accuracy or completeness of such information. Further, no third party has assumed responsibility for independently verifying the information contained herein and accordingly no such persons make any representations with respect to the accuracy, completeness or reasonableness of the information provided herein. Unless otherwise indicated, market analysis and conclusions are based upon opinions or assumptions that Zacks Investment Management considers to be reasonable. Any investment inherently involves a high degree of risk, beyond any specific risks discussed herein. It is not possible to invest directly in an index. Investors pursuing a strategy similar to an index may experience higher or lower returns, which will be reduced by fees and expenses. Privacy Policy If you do not wish to receive further email solicitations from Zacks on behalf of its partners, please click here to unsubscribe. © Zacks Investment Management 227 West Monroe, Suite 4350 | Chicago, Illinois 60606