In retirement investing, low-volatility ETFs continue to outperform broader indexes. The VIX hovering below 15 signals calmer equity markets, encouraging retirees to add stable instruments. Paying taxes while in retirement will impact your income and your lifestyle. Withdrawing money from a traditional IRA can even impact your Medicare fees, since those are determined based on your taxable income. That’s why Orman recommends putting as much as possible into a Roth IRA and paying taxes now instead of later. $2 Trillion in Forgotten 401(k)s Proves It's Possible To Forget Your Money Retirement investing moves into sectors benefiting from AI adoption. Information technology ETFs gained 10% YTD, providing growth exposure in otherwise conservative portfolios.