Are your golden years at risk?
It’s not enough to just save for retirement—you also need to anticipate and plan for risks that could drain your savings. Explore these risk categories to learn more.
Longevity risk
Cost of care
Market risk
Longevity risk
We all hope to live long lives—but the longer you live, the more important it is to ensure you don't outlive your savings. It's crucial to build income streams designed to last.
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Cost of care
Longevity risk
Longevity risk
Market risk
Income issues
Income issues
Cost of care
Health care costs tend to rise in retirement, and it’s likely that you’ll need some form of long-term care in your later years. Medicare may not cover it all, so it’s important to plan ahead.
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Sequence-of-returns risk
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In your “accumulation years,” it’s easier to weather market volatility. But a downturn early in retirement can increase your risk of running out of money—unless you take steps to prepare.
Market risk
Income issues
How you withdraw from your nest egg can be as important as how you grew it. It’s important to be strategic with your withdrawals to minimize tax liabilities and avoid running out of money.
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