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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Splitting retirement funds into three buckets with distinct tax treatments can help you avoid a nasty tax bill down the line. Here's how the strategy works....
This little-known risk of a down market can cause lasting damage to your portfolio....
Money isn’t just about earning, it’s about keeping it. Some risks are worth taking, but plenty of financial mistakes will cost you more than you realize. The problem is, most people don&rs...
More Americans want to retire abroad, but loneliness can undermine your happiness and health, even in paradise. Here's how to avoid loneliness abroad....
Older adults may lack protection. Here's the scoop on your risk, how to test immunity and where to find affordable boosters....
The economy is already showing signs of slowing: less hiring and possibly rising inflation....
ProFeds Founder, Chris Kowalik, assesses the inherent risk current facing the federal workforce and how agencies' RIF policies could leave many federal employees looking for work in the near future. K...
Are you aiming to be rich in retirement or simply ensuring you won’t be poor? In this episode, Ryan Thacker and Tyson Thacker tackle the pivotal question: Should your retirement…...
Feeling lonely isn’t good for anyone. Recent studies show the connection between loneliness in elders and dementia risk. Families need a strategy to mitigate this risk....
Changing gears from growth to protection isn't easy for some folks. How do you do it? And when?...
A good investment portfolio is diversified, low-cost, passively managed, and consistent with your risk tolerance. Which one is best for you? The post Best Investment Portfolios — 150+ Portfolios...
Ever wonder how much more money you’d have if you could rewind your top financial mistakes? Where there’s smoke, there’s often fire – crucial lessons in managing risk. In this&...
You can cut the cost of retirement planning by doing it yourself. But for something this important, it might be wiser to call in the professionals....
At the age of 60, I attempted to swim 5,000 meters in an open lake competition. Halfway through, I realized I had taken on too much risk. The post Don’t Push Your Luck (Physically or Financially...
Here's how proper preparation can help you successfully navigate these DST risks, from market uncertainties to structural limitations....
From alcohol to gambling, adults spend a lot of money pursuing their vices, but are they jeopardizing their retirement nest eggs?...
Do you ever feel like your retirement planning goals are always moving? You're not alone. We’ve found that people often move the goalposts in their own retirement planning, often to their detrim...
As I write, the U.S. stock market is flirting with all-time highs. All three major indices—the Dow Jones Industrial Average, S&P 500 and Nasdaq Composite—seem to defy gravity. In aggre...
Abernathy-Daley analysis of Form 5500 filings indicate over 600,000 plans at risk...
Asset allocation determines how money in a financial portfolio is invested. Balancing your asset allocation can help limit your financial risks while maximizing profits....
Discover the power of viewing retirement as a rebirth instead of an ending with retirement coach Karen Carr....
In this final episode of the Retirement Plan Live series, we welcome back Laura and Nick to discuss their unique perspectives on investment risk and aging, particularly from the viewpoint of individua...
A recent Supreme Court decision in Connelly v. United States has sent shockwaves through closely held businesses employing life-insurance-funded redemption-type buy-sell agreements. In this episode, w...
Putting all of your nest egg in one basket is risky. Try putting it in three buckets for short-term, medium-term and long-term needs instead....
The first 10 years of retirement are some of the riskiest for your investments, but channeling your inner Karate Kid may help defend your funds against losses....
Talking about finding balance in our lives and discussing how to know what our risk tolerance is in the finance space and our lifestyle. Also an interview with Dr. Jordan Grumet, who is passionate abo...
What is the risk with BDCs, or business development company funds? Edward in Illinois wants to know. Do Pebbles and Bam Bam in Kentuckystone have too much invested in T-bills? Are mutual funds or ETFs...
In prior posts, we’ve discussed the three M’s that constitute the actuarial process for keeping your spending in retirement on track and consistent with your spending goals: Measuring your...
Cognitive decline and aging in general put older retirees at risk of losing their financial security when they're the most vulnerable. What can be done?...
As retirement approaches, keep an eye out for the last remaining bumps in the road that could put a serious dent in your hard-earned savings....
Sneaky investment fees may delay your retirement by four years if you're not careful. Here's how to spot and rein in those fees....
While OAA programs will continue to be funded at current levels until March, it has become a potential target for substantial spending reductions....
In this episode, we explore an unrefined, yet accurate, approach to determining your risk tolerance. Beyond traditional risk tolerance questionnaires that often fluctuate with market conditions, we in...
I firmly believe that above-average wealth is largely a result of luck. If we fail to recognize our lucky financial breaks, we risk confusing our abilities with good economic times. This overconfidenc...
You need to understand this risk, or you might run out of money in retirement. Here's how it works — and some mitigation strategies for financial stability....
Unless you can answer these three important questions, you may be at risk for the biggest retirement worry there is: Running out of money....
To solidify your retirement plan, write it down, reduce your market risk and allocate more safe money into your plan for income....
After reviewing my analysis on a conversation I had with a financial professional in 2013, I decided to take another close look at my finances. To my surprise, I uncovered a huge gap between my percei...
We know you can and should take some risk when investing in stocks, but does that same principle apply to real estate investing? The post You Can Dial Back Real Estate Risk appeared first on The White...
Did you know the Social Security Trust Fund is projected to run out of money in less than 10 years? And now BARRONS has reported if this happens… an average…...
Ron Surz says fund managers are coming to market with PTDAs melding target date glidepaths…...
If someone decides to retire and live off of their investment portfolio, an important detail called the sequence of returns risk can be one of the most critical components to comprehend. You might hav...
As we approach the final quarter, it’s time to talk about financial risks that could significantly cost you. Let’s say you’ve made a financial goal for 2024. If you aren’t payi...
Are short-term savings using an adjustable rate mortgage worth the risk of rate hikes? In this podcast, we cover how adjustable rate mortgages (ARMs) work, how they differ from fixed-rate mortgages, a...
Bonds are dramatically safer than investing in stocks, real estate, or speculation, but there is still risk when you invest with bonds. The post The 3 Risks of Bond Investing — And How to Beat T...
James explores the concept of sequence of return risk in retirement planning. Most people are unaware of how risky this is, as it doesn’t become an issue until you begin living off your portfoli...
I'm generally a risk-averse person. I don't drive motorcycles. I don't own individual stocks. I don't deadlift anything heavier than my bodyweight. When analyzing a new situation I tend to focus on wh...
If you’ve ever wondered how to find the right balance between risk and reward in sports betting or financial investments, the Kelly Criterion might just be the answer. Developed by John L. Kelly...
Here some ways to mitigate longevity risk into your existing retirement plans....
What is your risk tolerance? What does risk tolerance even mean? Why does it matter? We’ll explore these questions as I answer one of our listener’s questions on getting back into the stoc...