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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You've done the hard work. You saved consistently, built a seven-figure portfolio, and are ready to enjoy retirement. But even millionaire retirees can make mistakes that put their plans at risk. In t...
You say you can handle a 40% crash, but does it matter? Here’s why high earners must prioritize capacity over comfort....
? Show Notes In this episode, Roger Whitney wraps up our four-week series on smarter retirement goal setting. He dives into the ideas of buoyancy and Maslow’s hierarchy of needs, showing how the...
Think of investing in terms of time, savings and risk. By carefully monitoring all three, you'll keep your retirement plans heading in the right direction....
Recently, in her Motley Fool article, A Big Reason the Famous 4% Rule May Not Work for Your Retirement, Maurie Backman confirmed what we have been telling our readers for years—you aren’t ...
Public-sector pensions are shifting more risk onto employees through hybrid designs, variable contributions and COLA changes, transforming retirement planning for millions....
Finding out this little-known fact about your body could reveal your risk of heart disease and more. It's a simple, free check for healthy aging....
What if the real financial risk isn’t running out of money, but running out of time to use it well? In this episode, listen as James and Ari unpack a $14 million case study with concentrated inh...
Getting rewarded by the market for the risks you take can be life-changing, but a diversified portfolio is more reliable. Learn the Nuts and Bolts I put everything I use to manage my money in a book. ...
Why voluntary discomfort—from marathons to cold plunges to career risks—builds neurological resilience, autonomy, and meaning. Choose your hard things....
Discover how step 5 of building your retirement master plan can help you leave a lasting legacy while avoiding the big 3 retirement risks....
Business owners must protect their digital assets for proper succession planning and to maximize their firm valuation....
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Many adults struggle with decisions about health, finance and caregiving. Bridging this knowledge gap is essential to make informed decisions and avoid costly mistakes....
Today we’re diving into one of the most “organic” investments out there—municipal bonds. Now, investing in municipal bonds may sound ... Read more...
Navigating market volatility in retirement requires more than the traditional 60/40 portfolio. This episode explores three critical risks every retiree must address to maintain financial security thro...
Standard retirement account beneficiary forms may not be flexible enough to ensure your money passes to family members according to your wishes. Naming a trust as the contingent beneficiary can help a...
Explore the role potential market risks play in planning your future, other risks, and how flexible sources of funding can protect your future. The post How Important Is It to Anticipate Potential Mar...
Will Private Markets be more prevalent in 401(k) asset allocation strategies going forward?...
Expertise can turn into a trap. Discover how earned dogmatism undermines money, work, and life—and why curiosity is the cure....
Embattled Federal Reserve Governor Lisa Cook is facing accusations of mortgage fraud—specifically, owner-occupancy mortgage fraud. The claim is that she took out two mortgages in two states, wit...
If your Social Security benefits should drop, a pension could provide a financial buffer....
President Trump has signed an executive order that could pave the way for the use of private equity (PE) and alternative assets in retirement savings accounts....
Most financial plans focus on how your investments perform, but what about the risks to your income along the way? Join us as we unpack groundbreaking research that shows why traditional retirement ca...
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....