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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Learn how strong risk capacity, fortified by smart debt management, can protect your retirement savings from market turbulence....
There's no crystal ball for retirement planning, but the closest thing could be to consider the key risks you'll face in retirement and build a plan around them....
It may be surprising, but studies connect untreated hearing loss (not using hearing aids) with increased risk of dementia....
Lower your dementia risk with this one hack....
Quit worrying about money and enjoy a carefree retirement. Sounds good, right? Well, if you follow these nine steps from a financial adviser, you could be on your way to that goal....
What’s the main risk that’s hiding in your retirement plan? Chances are, it’s lurking in plain sight and could jeopardize your financial future. How can you avoid it? In this…...
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....
“Use it or lose it” enters the digital age as a new study finds that technology may lower the risk of cognitive decline....
The GOP budget blueprint could slash lifesaving programs for millions of U.S. households....
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...
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)....
How do you shift from saving through your entire working life to spending and really living in retirement, while at the same time dealing the risks of inflation, rising healthcare costs, and things li...
They understand the difference between what might be real challenges to an investor's strategy and fear brought on by market volatility....
You ever hear someone say, “Retirement? I’ll figure it out later”? That’s exactly the kind of thinking that keeps people working until they’re 78. It’s not that mos...
With the stock markets up and down and tariffs on and off everyone including retirees may wonder what it means for the economy. Here's what the experts think....
All investments come with risk, but the secret is to take only enough risk to get you to your specific savings goals — and no more than that....
Splitting retirement funds into three buckets with distinct tax treatments can help you avoid a nasty tax bill down the line. Here's how the strategy works....
This little-known risk of a down market can cause lasting damage to your portfolio....
Money isn’t just about earning, it’s about keeping it. Some risks are worth taking, but plenty of financial mistakes will cost you more than you realize. The problem is, most people don&rs...
More Americans want to retire abroad, but loneliness can undermine your happiness and health, even in paradise. Here's how to avoid loneliness abroad....
Older adults may lack protection. Here's the scoop on your risk, how to test immunity and where to find affordable boosters....
The economy is already showing signs of slowing: less hiring and possibly rising inflation....
ProFeds Founder, Chris Kowalik, assesses the inherent risk current facing the federal workforce and how agencies' RIF policies could leave many federal employees looking for work in the near future. K...
Are you aiming to be rich in retirement or simply ensuring you won’t be poor? In this episode, Ryan Thacker and Tyson Thacker tackle the pivotal question: Should your retirement…...
Feeling lonely isn’t good for anyone. Recent studies show the connection between loneliness in elders and dementia risk. Families need a strategy to mitigate this risk....
Changing gears from growth to protection isn't easy for some folks. How do you do it? And when?...
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...
Ever wonder how much more money you’d have if you could rewind your top financial mistakes? Where there’s smoke, there’s often fire – crucial lessons in managing risk. In this&...
You can cut the cost of retirement planning by doing it yourself. But for something this important, it might be wiser to call in the professionals....
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...
Here's how proper preparation can help you successfully navigate these DST risks, from market uncertainties to structural limitations....
From alcohol to gambling, adults spend a lot of money pursuing their vices, but are they jeopardizing their retirement nest eggs?...
Do you ever feel like your retirement planning goals are always moving? You're not alone. We’ve found that people often move the goalposts in their own retirement planning, often to their detrim...
As I write, the U.S. stock market is flirting with all-time highs. All three major indices—the Dow Jones Industrial Average, S&P 500 and Nasdaq Composite—seem to defy gravity. In aggre...
Abernathy-Daley analysis of Form 5500 filings indicate over 600,000 plans at risk...
Asset allocation determines how money in a financial portfolio is invested. Balancing your asset allocation can help limit your financial risks while maximizing profits....
Discover the power of viewing retirement as a rebirth instead of an ending with retirement coach Karen Carr....
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...
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...
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...