Strategic Retirement Portfolio Engineering in 2025: A Multi-Asset Approach
The construction of retirement portfolios in 2025 demands a sophisticated blend of behavioral finance, tax optimization, and dynamic asset allocation. With the SECURE 2.0 Act reshaping retirement planning frameworks, investors must navigate high-velocity regulatory changes and post-pandemic macroeconomic shifts.
Longevity risk management and global asset correlation analysis now dominate portfolio engineering. The psychological 'why' of wealth accumulation remains critical—without clear objectives, investors risk derailment by lifestyle inflation or market volatility. Professional benchmarks suggest targeting 70-90% of pre-retirement income replacement.