Will the Market be Ready When you Are?

by Nick Goetze of Raymond James, 8/27/25

Recently, our commentaries have focused on the opportunities available in the Fixed Income markets, highlighting yields at levels rarely seen in the past two decades. However, that is only part of the story for those investors who are near or in retirement. Most of us are familiar with the typical financial lifecycle. For the majority of us, we start working after school and have little to set aside for saving in the early stages of our careers. Married life comes next, and maybe advancement in our careers, which comes with higher earnings. We then start a family, which takes up a large portion of available income. We do our best to put money away in retirement plans along the way as we grow our careers alongside the growing costs of our families and other expenses. Then suddenly one day, our children can support themselves, and we have a real opportunity to get serious about building net worth towards our goal of retirement in whatever form we dream of. This is of course an overly simple synopsis of a common cycle, but it generally holds true in some form or fashion for the majority.

Career start table