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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Retirees who report they are happy can prevent future unhappiness by addressing these five serious retirement risks that most retirees face.
She thinks we should reconsider because of the political and economic situation. I want to go now. Who's right?
Retirees are conditioned to think that market risk is the main threat to their future, but here's the real danger — and how to bring it under control.
Pre-retirees in the critical "retirement red zone" often take on significantly more risk than they want or are comfortable with. Here's how to fix that.
In this special edition of the 401(k) Specialist Podcast—part of our Deep Dive series on “How Not to Get Sued”—Editor-in-Chief Brian Anderson sits down with legendary ERISA attorney Fred Reish to exam...
Is Klarna Legit or a Trap? Fees, Risks, and What You Need to Know Before Using
Your retirement needs to be able to withstand several major threats, including inflation, longevity, long-term care costs, market swings and more.
Your retirement could be jeopardized if you ignore the risks you'll face later in life. From inflation to market volatility, here's what to prepare for.
Sequence of return risk focuses on the timing of market drops and how early losses in retirement can reshape your entire income picture. You can average the same annualized returns as another retiree ...
Thinking about tapping into your 401(k) during a time of financial stress? Learn the rules, risks, and more strategic alternatives before making a costly mistake.
There are about half as many stocks trading in the U.S. today as there were in 1996 — 4,010 vs. 8,090. Fewer public companies means less of the economy is available to everyday investors. Passiv...
With 17 team members serving 125 ultra-wealthy families, the Continuum Group blends institutional experience, in-house portfolio management and family-office service....
"Risk" and "uncertainty" are similar concepts. But your financial plan has to be prepared to cope with both. I think that mix is what's making some folks a little uneasy right now. In addition to the ...
When people think of what could haunt their retirement, they often imagine running out of money, facing unexpected expenses, or living too long. But as we discuss in this episode, there's a more insid...
You say you can handle a 40% crash, but does it matter? Your plan ignores your income, debt, and timeline. Here’s the risk capacity data it skips....
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...
You say you can handle a 40% crash, but does it matter? Here’s why high earners must prioritize capacity over comfort....
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....
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. ...
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....
Warnings about the dangers of vaccines from senior government officials inevitably will lead to more unnecessary sickness and death, especially among older adults....
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...
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....
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...
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....
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....
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...
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....
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....
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...