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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Alternative investments are gaining ground, yet retirement investors must carefully weigh risk, liquidity and portfolio fit....
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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....
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In this episode, we shine the light on common estate planning mistakes that can derail even the best intentions. We discuss the risks of failing to update beneficiary designations and why relying sole...
To read this story on KSL.com, click here. “If you don’t have a pension, you could face one of the biggest risks in retirement today,” warns financial advisor Ryan Thacker.…...
Steve Chen and Sam Dogen explore the power of compounding, the value of real estate in wealth-building, risk tolerance, and money mindset. The post Podcast 94: Millionaire Milestones – Building ...
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....
? Show Notes In this episode, we dig into fixed annuities and U.S. Treasuries—how they can bring stability and income to your retirement. We’ll also discuss Social Security risks and how t...
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...
Here are the multiple ways you can use a QLAC, from managing retirement risks to creating income for specific retirement needs and wants....
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)....
Once you start RRIFing, how do you make sure you have enough cash, and should you dial down risk? The post How to make sure you have enough money to fund your RRIF withdrawals appeared first on MoneyS...
Thinking rich starts long before you have money in the bank. It starts in how you think about time, risk, effort, and freedom. That’s the difference between staying stuck and building something ...
Longevity risk is a big threat to your retirement, but there are several strategies to protect yourself from running out of money, no matter how long you live....
Anyone have some ETF or Mutual Funds suggestions that help balance the risk a bit better in retirement than the S&P 500 index? I have a few years yet to go but I won't be sleeping well if I'm goin...
At a time of resistance to environmental, social and governance goals, pension funds have become a bulwark against efforts to sideline climate risks....
What can you do when aging parents make choices that seem so risky? The independence dilemma: let it go or try to step in to keep them safe? Solutions can exist....
Older adults may lack protection. Here's the scoop on your risk, how to test immunity and where to find affordable boosters....
What's the point of all these income strategies in retirement? Let’s look at the risks and benefits of some and why you might consider them. The post Retirement Income Strategies — And Her...
A simplified estate strategy will expedite the settlement of your estate after you're gone, lower audit risk, reduce costs and cut your beneficiaries' stress....
How Treasury bonds can protect your retirement nest egg. The upside, risk and low-down on T-bonds....
Your portfolio's bond allocation depends on factors such as age, risk tolerance and market conditions....
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...
You are probably worried about running out of money in retirement. Use this simple two-phase approach to significantly reduce your risk. The post Worried About Running Out of Money? Consider the 1-2 P...
When you retire is a personal decision. Learn if you can retire, look at your time horizon, spending desire, investment portfolio, and risk tolerance....
You're saving hard for retirement, but if you're not thinking ahead about taxes and the cost of health care, your savings — and your legacy — could be at risk....
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...
Abernathy-Daley analysis of Form 5500 filings indicate over 600,000 plans at risk...
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...
You can take a loan from your 401(k) plan if necessary, but it runs the risk of jeopardizing your long-term retirement goals, so make sure to consider your options carefully....
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....
Shark Tank makes angel investing look pretty exciting on TV. Learn who should consider being an angel investor and how to mitigate the risks. The post Should Doctors Be Angel Investing? appeared first...
The risk of being sued is the elephant in the room during every clinical encounter with patients. Here's what to do if it happens. The post What (Not) to Do If You’re Sued — Lessons from a...
If you want to increase your return on investment, you'll need to take on more risk. But, be careful how you try it—if you try it at all. The post 9 Ways to Increase Your Investing Return appear...
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...
2025 has gotten off to a rough start with devastating fires and corrections in stocks, bonds, and other risk assets. So, I thought it’d be a good idea to shift focus to some positives—befo...
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?...
Corporate bonds are a cornerstone of many investment portfolios, valued for their ability to generate steady income and offer moderate risk. Whether you are diversifying your investments or seeking a ...
Medicare regulators want beneficiaries to be told explicitly about some potential risks of signing up for Medicare Advantage plans instead of original Medicare....
Time was, including crypto in your retirement account seemed far too risky. Some financial experts now recommend it for diversification. But buyer beware....
James breaks down five common retirement mistakes and how to avoid them for a secure and fulfilling future: Spending Wrong: Overspending risks running out of money; underspending misses out on life. B...
Whether your blended family is newly formed or fully fledged, use these six steps to review your estate plans now and lower the risk of conflict in the future....
Annuities can be a valuable tool for middle-market consumers approaching retirement. By providing guaranteed income, stability and protection from longevity risk, they help fill…...
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...
Many people believe they have solid estate plans but really are putting their legacies at risk because of some very common oversights....
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....
Cool, right? The SEPP rule lets you tap your retirement savings early without tax penalties. But it's a risky move if you don't plan well....