Whether you’re approaching retirement or already enjoying it, your 60s and beyond is a key time to focus on protecting your assets and thinking about how to pass on your wealth to the next generation. Planning won’t guarantee outcomes, but it can help protect options and make transitions smoother for your family.
As you move from building wealth to preserving it, protecting what you have usually becomes a bigger priority. With more than 63 trillion dollars set aside for retirement worldwide, managing these resources wisely is more important than ever1.
Protecting your savings means managing risks, ensuring your money lasts, and adjusting your plan as life changes. Some of the ways you can do this include:
Taking these steps can help you manage risks and keep your finances stable throughout retirement.
Having a clear, written plan on how you want your wealth passed on, can help minimise family disagreements and reduce potential tax bills. Preparing a will is the first step to making sure your assets go where you want. Depending on your goals, trusts and gifting can be effective tools to manage how and when your assets are passed on.
Getting advice from estate planners or financial advisors can help tailor a plan that fits your unique situation and ensures your legacy is protected.
While protecting your assets and planning your legacy are key, don’t forget to consider lifestyle and healthcare as part of your retirement plan. Healthcare costs can be a big expense for retirees and often take up a significant part of retirement budgets. Planning ahead for these costs may help protect your savings and maintain your quality of life.
Some simple steps include:
Taking a few practical steps now can give you real peace of mind for the future. Protect what you’ve built, make sure your wishes are honoured, and reduce the risk of family disputes or unexpected tax bills.
Start with one concrete action—update your will or beneficiary nominations, book a pension or trust review, or speak with a financial advisor —and set a regular calendar reminder to revisit your plan.
You don’t have to lose control of your finances or your future when you retire. Take the steps today to make a huge difference later.
You have the choice when it comes to the “where”. Our range of funds are available from your local bank, broker or financial advisor.
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*Diversification does not guarantee a profit or protect against a loss.
Source:
OECD Pensions Outlook 2024: https://www.oecd.org/en/publications/oecd-pensions-outlook-2024_51510909-en.html
Unless otherwise stated, all information contained in this document is from Amundi Asset Management S.A.S. and is as of 8 March 2026. Diversification does not guarantee a profit or protect against a loss. The views expressed regarding market and economic trends are those of the author and not necessarily Amundi Asset Management S.A.S. and are subject to change at any time based on market and other conditions, and there can be no assurance that countries, markets or sectors will perform as expected. These views should not be relied upon as investment advice, a security recommendation, or as an indication of trading for any Amundi product. This material does not constitute an offer or solicitation to buy or sell any security, fund units or services. Investment involves risks, including market, political, liquidity and currency risks. Past performance is not a guarantee or indicative of future results.
Date of first use: 8 March 2026
Doc ID: 5144112