Retirement income is one of the most critical trends in the mutual fund industry right now-and yet, experts say few firms are getting it right.

Rather than relying on the traditional risk/return tools used in the accumulation phase, fund companies and financial planners need an entirely new set of tools that take a host of "decumulation" variables into account, such as inflation and withdrawal rates, along with rising longevity and healthcare costs, market risks and an individual's unique needs.

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