Retirement plans still depend on equity markets for long-horizon growth. The challenge is sequencing risk: withdrawals during equity drawdowns can permanently impair a plan even if long-term average returns look attractive on paper.
Build's approach emphasizes staying invested in diversified equities while sizing risk to the investor's time horizon and spending needs. That can include lifecycle equity allocations, rebalancing rules, and income sleeves that reduce forced selling in weak markets.
We believe the right question is not whether retirees should own stocks, but how much equity beta is appropriate—and how to manage it through policy, earnings, and valuation cycles.
Thoughtful equity design helps participants capture market growth without turning every rate headline into a portfolio crisis.