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.
Showing 50 results of 462
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....
Takeaways Most 401(k) plans let you change your investments online at any time, though some funds may limit frequent trading. Changing where future contributions go and changing how your current balan...
Building a retirement plan means balancing financial security with the life you want to live. Steve Chen sits down with fee-only fiduciary financial planner Jesse Cramer, host of Personal Finance for ...
Building a retirement plan means balancing financial security with the life you want to live. Steve Chen sits down with fee-only fiduciary financial planner Jesse Cramer, host of Personal Finance for ...
Building a retirement plan means balancing financial security with the life you want to live. Steve Chen sits down with fee-only fiduciary financial planner Jesse Cramer, host of Personal Finance for ...
Building a retirement plan means balancing financial security with the life you want to live. Steve Chen sits down with fee-only fiduciary financial planner Jesse Cramer, host of Personal Finance for ...
Building a retirement plan means balancing financial security with the life you want to live. Steve Chen sits down with fee-only fiduciary financial planner Jesse Cramer, host of Personal Finance for ...
In her recently released book The Forever Paycheck, Jean Chatzky—CEO and founder of HerMoney—encourages retirees to fund essential retirement spending with Social Security and non‑risky investments, a...
Without a clear and explicit definition of HCBS and aging in place, any reforms risk becoming impossible to administer and unacceptably expensive.
Oil is out of sight; gasoline is at all-time high; diesel and heating oil are at five to six bucks a gallon; electricity prices are at risk from data centers and tetrad war with Canada... And the mark...
Be careful with leverage risk. Yes, it can boost returns. But leverage works both ways. It can both magnify returns AND losses. The post How You Can Lose Your Entire Investment When Investing with Lev...
Nearly 40M Americans are aging alone, and retirement systems built for couples leave solo seniors facing greater financial, caregiving, housing and planning risks.
Managing your emotions during market volatility is crucial for maintaining a stable portfolio. Now is a good time to check in on your risk tolerance.
Record market highs can present an opportunity to retire earlier than planned, provided your strategy relies on spending control, risk management and more.
Financial confidence in retirement depends far more on lifelong planning, discipline and risk management than simply having a massive account balance.
You may own hundreds of stocks, but that doesn't necessarily mean you're diversified. Discover where concentration risk is really hiding and what you can do about it. In this episode, you'll learn: Wh...
How to sort your holdings into 8 asset classes, spot concentration risk, check against your risk profile, and catch drift or cash drag early. The post See Your Total Asset Allocation Across All Accoun...
A securities-based line of credit can provide access to cash without requiring you to sell eligible investments. These are the opportunities and risks.
Financial mapping can lead you to better financial decisions and outcomes, turning scattered goals into a plan that holds up against risk. The post Financial Mapping: A Roadmap for Your Money and Time...
Are you accidentally sabotaging your own financial security? A top financial executive explains why doing what feels "safe" might be your biggest risk.
Investors might want to add "buffered" strategies like registered index-linked annuities (RILAs) to their investing toolkit to balance downside risk.
Hooray for the market's double-digit growth three years in a row, but it could be time to check in on your risk tolerance.
With $4 million saved, a couple wants a bigger home for their teens before retiring in eight years. In this week's Wealth Wise advice column, advisers reveal why it’s risky — and smart alternatives.
Investors often underestimate the risk in their portfolio. Today, Laura Stover and Michael Wallin break down 5 common portfolio mistakes, as outlined by Christine Benz in Morningstar. They are portfol...
Diversification is a risk management strategy that mixes a wide variety of investments within a portfolio. We'd venture to guess that everyone who is listening to this podcast is very familiar with th...
When things are down, everyone's risk profile gets much more conservative. Emotions shift as the market does, and we spend a lot of time consulting clients to help them keep balance. One of the produc...
I'm considering retiring in a few years at 60 and pursuing a masters at a public university in Italy or France. Possibly a degree in international development, environmental risk assessment, etc. that...
Rebalancing is the act of periodically adjusting your 401(k) investments back to your intended asset allocation. While it does not guarantee higher returns, regular rebalancing may help manage risk, m...
Generous pensions can act as a safety net, but concentration risk and healthcare gaps still loom large for retirees. This week's Wealth Wise advice column breaks it down.
Trust protectors can help protect against irresponsible trustees and other dicey situations that could put grantors' wishes at risk, estate lawyers say.
When it comes to a confident retirement, what if the biggest risk isn't running out of money, but waiting too long to enjoy it? As part of our "Freedom After 50" series, author Mike Drak explores: Why...
The most important aspect of investing is not returns; it's risk management. And that is important to think about when investing in bonds. The post How to Invest in Bonds appeared first on The White C...
When looking for a contractor or a financial adviser, hiring based only on price is risky. These questions will help you find the right person for the job.
Adviser Intel contributors have been discussing the risks of letting your spouse handle the family finances. How much do you know?
Powers of attorney are powerful estate planning tools, often signed without full consideration, yet they carry significant risk of abuse.
If you're the only child of aging parents, decisions about care and financial affairs may fall to you. These are the risks — and the conversations to have now.
Episode 527 00:00 Introduction 00:51 Notification of when I buy or sell a stock 01:28 Learn to identify stock trading patterns during a crisis 02:45 Stock Market rotation from Risk On to Risk Off 03:4...
Your greatest investment risk may not be missing the market, but relying on your ability to identify the small handful of stocks that become the next big winners. As part of our "By the Numbers" serie...
Some investments will need to last your entire life—or you risk having them cost you plenty in money or time. The post 4 Financial Assets That Will Cost You If You Don’t Hold Until Death appeared firs...
This podcast episode discusses the Rule of 55 retirement strategy, as well as listener questions about the risks of linking financial accounts to budgeting apps like YNAB, strategies for optimizing Tr...
Private equity is finding its way into 401(k)s, but the risks (or benefits) for you may depend on how close you are to retirement. Here's what to look out for.
Preventive health spending is a type of risk management that can lower future costs while protecting your health and your money. Here's how it works.
Private credit funds, real estate deals, hedge funds and venture capital allocations aren't available to everyone, but can also carry extra costs and risks.
Geographic Arbitrage is the most underrated risk-management tool in early retirement, and could help you shave years off your FI journey! Read more → The post Your ZIP Code Is a Bigger FIRE Lever Than...
To ensure a fulfilling retirement, view longevity as an opportunity and maintain a balanced portfolio that accepts some risk while planning for substantial costs.
Thanks to sequence of returns risk, the investing strategy that helped you accumulate a healthy sum for your retirement can work against you once you quit work.
The sandwich generation risks its own retirement by supporting parents and children. Protecting savings, planning, and setting boundaries ensures long term stability.
Episode 523 00:00 Introduction 01:02 Gold and Silver not risk free 02:35 Bonds aren’t safe either 03:00 10 year Treasury dismal performance 04:23 Oil prices dropping 05:31 3 Best S&P 500 Sectors 08:00...
Clients don't need advisers to dismiss their retirement fears. They need advisers who can listen, separate emotion from risk and turn anxiety into action.