Retirement Investing Enters a New Phase

This report from the Amundi Investment Institute explores how lifecycle investing is evolving through dynamic glidepaths, AI-enabled personalisation, and greater integration of private assets into retirement portfolios.

• Lifecycle strategies are moving beyond simple age-based de-risking by incorporating human capital, sequencing risk, and retirement income objectives.
• Amundi’s modelling shows optimised glidepaths can materially reduce late-stage drawdown risk, with maximum one-year pre-retirement losses of -4.5% versus -10% for a traditional 50/50 allocation.
• The report argues that AI-driven segmentation and selective private asset exposure could improve retirement outcomes across defined contribution schemes.

Read the full report for deeper analysis on how retirement portfolio construction is adapting to demographic, regulatory, and market shifts.