Retirement assets refer to the funds that an individual has set aside for their retirement. These may include savings, investments in stocks or bonds, real estate holdings, pensions, annuities and other financial instruments designated specifically for use during one's retirement years. The goal of accumulating these assets is to ensure a comfortable standard of living after an individual stops working full-time. Retirement assets are typically managed with the help of a financial advisor or planner who takes into account factors such as inflation, taxes and the investor’s risk tolerance when developing a retirement plan.