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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If you’re interested in learning about effective strategies to help you pay fewer taxes, generate income, minimize risk, and protect yourself from inflation in retirement… then don’...
Unlike most topics which are covered here, I was hesitant to discuss the subject of vaccines because they have become so controversial. However, the October 2023 AARP Bulletinreported on an interestin...
By Dr. Hamik Martirosyan Risk and return are inextricably tied together. They form the basic elements required to make successful investment decisions. Though risk is just as important as returns, mos...
Thereport’s key findings are: As life expectancy at 65 rises, outliving one’s resources poses a growing challenge. This study explores how people perceive their life expectancy, options fo...
Thebrief’skey findings are: Households ages 62-75 have substantial earnings. The National Retirement Risk Index, which assumes all households claim Social Security – and retire – at ...
It’s getting real! I’m meeting with my boss today to let him know my plans and prepare an exit strategy. I work at a government agency with no risk of getting booted upon the announcement....
When I was younger, weighing the risk and reward in a decision was a lot easier. In your youth, you’ve got time on your side and most of the chances you take aren’t going to make or break ...
The stock market is a crucial indicator of economic activity and is closely watched by investors, economists, and policymakers around the globe. Unfortunately, when we typically discuss the stock mark...
Owning employer stock in your 401(k) can increase returns, but it multiplies your financial risk....
I am wondering about living on dividends and social security in retirement, and how this solves certain problems raised by sequence of return risk and owning bonds, both in the years before retirement...
COVID has moved from a central place in our lives to a risk that, while still important to heed, has moved out of the foreground. One thing we will not forget, however, is COVID’s toll on nursin...
Link to the full article (3 min read)Short-term rates are closing in at 5%, making the yields more appealing to investors who have been forced to take on risk. There’s no way to know for sure wh...
Many aging seniors fear getting dementia, even more than they fear dying. In fact, Alzheimer's Disease and other forms of dementia are two of the most popular health searches on Google. Although we al...
A coalition of regulators recently reminded taxpayers about the risks of some self-directed IRAs....
In any investment, there is risk involved. Without risk, there wouldn’t be possible returns. Real estate can be viewed as ... Read more...
[Editor's Note: If the pandemic taught us anything, it’s that burnout is the No. 1 threat to your financial plan and that it could cost you millions of dollars in future wealth. That’s why...
My 70 year old retired mom has a IRA that's she has to withdraw from, roughly $150K. She wants to reinvest in a consistently well performing but low/moderate risk fund. I'd be very grateful for recomm...
As people live longer and costs keep climbing, we offer some tips on how to navigate the changing retirement landscape....