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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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...
If you're losing sleep at night worrying about your investments, you might want to consider the benefits of protecting at least some of your principal....
We all have visions of our ideal retirement. However, our financial plans can quickly veer off course if we haven't appropriately managed our risks. On this episode of Financial Symmetry, Greg Suggs f...
If you have plenty of retirement savings but still feel like you need to limit your spending, you might need an integrated retirement plan....
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Derek Tharp explains how risk-based guardrails can provide a better retirement spending plan than the 4 percent rule would allow....
Taking legal control away from an impaired elder's access to free spending can make them mad. But the risk of their anger is worth it. Family can stop financial abuse....
Another day, another dollar… hopefully. Aside from some small hiccups along the way, the stock market has continued its way upward since 2009 after the 2007-2008 financial crisis. As an early r...
Returns for investors who get in before companies go public can be white-hot. But you'd better be savvy and have nerves of steel. What to consider first....
An elder who became mentally incapacitated had a problem Power of Attorney document. His wife got stopped from helping with finances. Learn from this case!...
Tom Hawkins exposes the drawbacks for both plan sponsors and participants...
We may not think that gum disease and tooth loss can be risks for dementia. Solid research shows that they are. Attend to aging parents' oral health....
The concept of risk-adjusted returns is important to understand. While calculating returns is relatively standard, risk is harder to measure. The post How to Risk-Adjust Returns appeared first on The ...
The risk of falls increases with age. A partnership between EMS and the communities they serve can stem the risk of overwhelm on services...
There's a time and a place for taking on risky investments. Don't even consider speculative bets before you've built a strong financial foundation....
Over half of women in the "Peak 65" demographic have less than $100,000 in retirement…...
While taking out a loan to fund software development can be risky, it may be worthwhile in certain circumstances if the potential benefits outweigh the costs and risks. Software development projects t...
“Trust is a non-negotiable element of financial systems.” - Hendrith Vanlon Smith Jr Today's business environment is hyper-competitive. To keep your business successful, you must consisten...
If you need money now and are thinking about tapping your 401(k) savings, you might want to consider other available options....
When it comes to planning for retirement, there are a number of risks to consider, including market crashes, inflation eating ... Read more...
The important thing to remember is a diagnosis of pre-diabetes does not mean you are at high risk to develop diabetes....
One of the questions I get asked the most often is, "What should I invest in?" While the right answer depends on a host of factors including your risk tolerance, financial goals, and more, I've slowly...
Warren Buffett, perhaps the greatest investor of all time, once said, "Risk comes from not knowing what you’re doing." Of course, few can attain the investment mastery of the 'Oracle of Omaha.' ...
You’ve worked hard to build up your savings to ensure you have a comfortable retirement. What if cybercriminals stole from your 401(k)? Sadly, it’s happening, and experts are fearful it ma...