Income Distribution

Your pre-retirement earning years focus on accumulation and growth of your money. It is from your business or your job that you earn the money that pays for your living expenses. You take part of that and put it away for emergencies and then there is that percentage you put away for college or retirement and so your goal is to bring as much as possible to invest it to you can make more.
If you are in the age group of senior, you might be one who holds some distrust of stocks. This age group also seem to misjudge their life expectancy by looking at how long their parent lived. You can increase the probability of outliving your money if you overweight your portfolio with the safety of fixed income investments. Finding that middle ground between greater return and reduced risk is what a retirement distribution plan does. It looks at all your incomes: wages, pensions, social security, investment income and annuity income as they all come into play. This is done on an individual situation as many variables can be part of this. The retirement distribution plan is complex and calls for a thorough understanding of investment products.