Many retirees and those who were hoping to wind down their working lives in the next year or so are undoubtedly feeling the pain of market volatility due to the coronavirus crisis and resulting economic shutdown, especially if they were counting on income from their investments to cover living costs.Individuals can’t be blamed for being skittish, given reports that even a sophisticated institutional investor such as Alberta Investment Management Corp. (AIMCo), which looks after pension assets in the province, has taken a $3 billion hit from an investment strategy based on volatility.Across the country, there were $14.1 billion in net mutual fund redemptions between February and March, with 10 per cent ($159.9 billion) knocked off mutual fund assets, which now sit at $1.45 trillion, according to the Investment Funds Institute of Canada.How to buy and sell a house in the time of coronavirus, from virtual tours to hazmat home inspectionsHere how to calculate how much tax you owe on your CERB paymentsHow to get your tax refund as quickly as possible amid the COVID 19 crisisBut before placing any panicky sell orders, investment, tax and estate planners say there are many variables to consider, such as assessing how much money you actually need to live on, what retirement income is locked in and whether work may be in your future for a little bit longer.Here’s what you need to know about how your retirement plan may have been affected and what to do next.Get a check up Don’t assume your losses have tracked those of the market. A balanced and diversified portfolio should have provided some downside protection, although beware if you were heavy on the hospitality, retail, and energy sectors since they have been hit the hardest.»Many investors that I have spoken to over the past couple of weeks have been pleasantly surprised to see that they aren’t down nearly as far as they thought they’d be,» said Paul Shelestowsky, a senior wealth adviser at Meridian Credit Union in Niagara on the Lake, Ont., whose clients are mostly retired.If you are retired or planning to retire soon, you may decide your investments are too heavily weighted in equities.
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