There are a number of risks that can affect your retirement savings and plans. Some common risks to consider include:
1. Investment risk: The value of your retirement savings can fluctuate based on the performance of your investments. If the investments you have chosen underperform, it could impact the amount of money you have available for retirement.
2. Inflation risk: The purchasing power of your retirement savings may be eroded over time due to inflation.
3. Longevity risk: You may live longer than you expect, which could result in your retirement savings running out before you die.
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Being too conservative in retirement can erode savings. Learn how inflation and limited growth impact portfolios and how to balance risk and stability....
If you want to age in place in your current home, near the beach or in the mountains, one risk could upend your plans. Here's what you need to know....
Seventeen Democratic state officials urged major asset managers to prioritize long-term risks like climate change, rejecting Republican efforts to curb ESG investing....
This post is a follow-up to our post of September 2, 2023, Manage Your Financial Risks in Retirement Like an Actuary, and is in response to the following recent quote from a well-known retirement rese...
What's one of the differences between a good financial adviser and a great one? The ability to use behavioral coaching to guide clients away from emotional decision-making and toward retirement succes...
Many elders find themselves alone in their later years. They are "solo agers'. Consider these 4 major risks to plan well for this time of life....
A new investment frontier is coming to your 401(k). We asked financial experts to break down what private equity means for your retirement....
New rule opens 401(k) plans to private equity, prompting debate over benefits versus costs and transparency risks....
Critics say an executive order that clears the way for alternative assets to enter retirement accounts poses risks to everyday investors. It could also pose some for private fund managers....
A recent market whipsaw is a reminder: risk tolerance isn’t static. Use Protect, Live, Grow, and Give to align your portfolio with life’s changes....
I have watched a number of videos and read about sequence-of-returns risk. The theory seems to say you should stay conservative for the first five years of retirement, and then you can let your stock ...
Not all six-figure jobs come with long hours or high pressure. Many careers offer strong salaries in stable, low-risk environments, without the burnout. This gallery highlights 16 jobs where it’...
According to experts, one of the biggest risks in financial planning isn’t investing in a volatile portfolio, but rather avoiding risk altogether. The post A Big Risk for Retirement Investments?...
AI is already built into nearly every part of how people work. In many careers, it’s actively doing the tasks workers used to handle themselves. And for some jobs, the overlap is so high, replac...
Navigate market volatility with confidence by aligning risk tolerance and long-term goals to avoid costly mistakes during market downturns and recoveries....
There's no reliable tool for predicting your risk of cognitive decline, but new research suggests one area of everyday behavior may contain early warning signs....
Jeremy Keil breaks down the Investopedia.com list of the 11 best low-risk investments for 2025....
You know the old saying . . . “Assume and take the risk of making an 'ass' of u and me”! On this episode we revisit and discuss a variety of retirement assumptions. Glenn is available for ...
Are your Required Minimum Distributions (RMDs) setting you up for failure? Find out how sequence of returns risk combines with RMD rules to create a hidden hazard—and how smart planning, asset a...
Experts say that families often get caught off guard by their loved ones' cognitive decline and it's a crucial component of planning that is frequently left undiscussed....
As indicated in many of our prior posts, the key metric for managing your spending, assets and risks in retirement is your Funded Status--the present value of your assets divided by the present value ...
Today, I’m speaking with Larry Swedroe. Larry is the former Chief Research Officer at Buckingham Strategic Wealth, an accomplished author with 18+ books on investing, and a true pioneer in evide...
What determines financial “success”? A major factor includes your ability to play financial defense and minimize the severity of potential investment failure. In this episode, we discuss: ...
Not all investments are bad. But not all of them are right for you, either. The financial world is full of complex products. Many have high fees, hidden risks, and sales incentives that don’t al...
Ever since I left my day job in 2012, I’ve used a form of the dumbbell investing strategy to grow my wealth while protecting against large losses.It’s a framework that’s helped me st...
As the third quarter gets underway, here are some takeaways from the market's second-quarter performance to consider as you make investment decisions....
Becoming a landlord late in life can be a risky venture because of potential health issues, cognitive challenges and susceptibility to financial exploitation....
Elder care is a personal and financial vulnerability many people fail to plan for....
Why a 25% higher dementia risk could be tied to your US location. But you're not powerless; there are 14 ways to lower your risk....
Many women care for older relatives. While commendable, it could put their retirement at risk … unless they find a way to prioritize themselves....
You may not be able to avoid a market decline when you're newly retired and starting to rely on your nest egg for income, but you can plan for that risk....
Many things in life don’t come easily. Becoming a homeowner is one of them. It’s not something that happens overnight ... Read more...
Two jobs are linked to a lower Alzheimer's risk. Even if you do a different kind of work or are retired, these jobs show how to keep your mind sharp....
I’ve been focused on building passive income since 1999, back when I had to be in the office by 5:30 a.m. and worked past 7 p.m. often. Weekends were another eight hours or so. I knew I couldn&r...
If the stock market dips when you retire, your portfolio may not have time to recover. But having a structured income plan for your retirement years can help....
Don't be scared about running out of money, be prepared. This financial professional explains how you can help take control of three critical retirement risk factors with a little planning....
Learn how strong risk capacity, fortified by smart debt management, can protect your retirement savings from market turbulence....
There's no crystal ball for retirement planning, but the closest thing could be to consider the key risks you'll face in retirement and build a plan around them....
It may be surprising, but studies connect untreated hearing loss (not using hearing aids) with increased risk of dementia....
Lower your dementia risk with this one hack....
Quit worrying about money and enjoy a carefree retirement. Sounds good, right? Well, if you follow these nine steps from a financial adviser, you could be on your way to that goal....
What’s the main risk that’s hiding in your retirement plan? Chances are, it’s lurking in plain sight and could jeopardize your financial future. How can you avoid it? In this…...
Ignoring any of these five essential financial pillars could put your future at risk. Take a moment to make sure you haven't overlooked anything....
“Use it or lose it” enters the digital age as a new study finds that technology may lower the risk of cognitive decline....
The GOP budget blueprint could slash lifesaving programs for millions of U.S. households....
You could be facing a surprisingly dangerous amount of concentration risk without realizing it. Fixing that problem starts with knowing exactly what you own....
What is the Vanguard Fully Paid Lending Program? What are the risks to you as an investor? And can you make enough money to bother with it? The post The Vanguard Fully Paid Lending Program: Should a W...
SDBAs are underused and have a reputation for being risky, but when managed carefully they can help you grow your wealth faster than your company's 401(k)....
How do you shift from saving through your entire working life to spending and really living in retirement, while at the same time dealing the risks of inflation, rising healthcare costs, and things li...
They understand the difference between what might be real challenges to an investor's strategy and fear brought on by market volatility....