Despite these moves, official recognition of a shift away from the inflation target would be "a huge political and psychological step", Jane Foley said.
Redistributing less frequently and setting a lower cash target may keep this shift from occurring too quickly, causing the bucket strategy to potentially perform more like the systematic withdrawal strategy.
The lower cash target means fewer assets shift to more conservative investments, encouraging the portfolio to earn a higher average return over the long term and potentially creating better odds of meeting income needs throughout retirement.
At the end of our first 20-minute shift, we produced only 13 cars (instead of 18, our target), with a total of 25 defects, which meant we would have to return Saturday for unscheduled overtime to fix the faulty cars and meet our production goals.