{"id":5860,"date":"2015-05-20T05:51:44","date_gmt":"2015-05-20T12:51:44","guid":{"rendered":"http:\/\/blog.paladinregistry.com\/?p=5860"},"modified":"2022-11-04T01:20:47","modified_gmt":"2022-11-04T05:20:47","slug":"5-retirement-risks-that-bite","status":"publish","type":"post","link":"https:\/\/www.paladinregistry.com\/blog\/retirement\/5-retirement-risks-that-bite\/","title":{"rendered":"5 Retirement Risks That Bite"},"content":{"rendered":"<p>You are exposed to five potentially catastrophic financial risks, unless you are lucky enough to be in the top 15% of wage earners who have substantial retirement savings. The top 15% are the chosen few who were lucky enough to work for the right companies or disciplined enough to begin saving for retirement at a fairly young age.<\/p>\n<p>The risks that are described in this article\u00a0have the greatest impact on Americans who are 55 and older. \u00a0The statistical data is based on surveys that were conducted by <strong><span style=\"color: #0000ff;\"><a href=\"https:\/\/www.paladinregistry.com\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"color: #0000ff;\">Paladin Research<\/span><\/a><\/span><\/strong> in the first quarter of 2015.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_68_1 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<p class=\"ez-toc-title\">Table of Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-69dc7e92f1df9\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-69dc7e92f1df9\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.paladinregistry.com\/blog\/retirement\/5-retirement-risks-that-bite\/#1_%E2%80%93_Inadequate_Savings\" title=\"#1 &#8211; Inadequate Savings\">#1 &#8211; Inadequate Savings<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.paladinregistry.com\/blog\/retirement\/5-retirement-risks-that-bite\/#2_%E2%80%93_Risky_Security_Markets\" title=\"#2 &#8211; Risky Security Markets\">#2 &#8211; Risky Security Markets<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.paladinregistry.com\/blog\/retirement\/5-retirement-risks-that-bite\/#3_%E2%80%93_Catastrophic_Incident\" title=\"#3 &#8211; Catastrophic Incident\">#3 &#8211; Catastrophic Incident<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.paladinregistry.com\/blog\/retirement\/5-retirement-risks-that-bite\/#4_%E2%80%93_Running_Out_of_Money\" title=\"#4 &#8211; Running Out of Money\">#4 &#8211; Running Out of Money<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.paladinregistry.com\/blog\/retirement\/5-retirement-risks-that-bite\/#5_%E2%80%93_Bad_Financial_Advice\" title=\"#5 &#8211; Bad Financial Advice\">#5 &#8211; Bad Financial Advice<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"1_%E2%80%93_Inadequate_Savings\"><\/span><strong>#1 &#8211; Inadequate Savings<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>64.7% of Americans say they do not have adequate retirement savings that will produce comfortable, secure lifestyles for the rest of their lives.<\/p>\n<p>Did you save enough inside and outside qualified retirement plans to fund a comfortable, secure retirement? \u00a0There are two solutions: defer your retirement dates or reduce your standard of living during your retirement years. There is no good news for this situation.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"2_%E2%80%93_Risky_Security_Markets\"><\/span><strong>#2 &#8211; Risky Security Markets<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Your biggest financial risk is retiring at the end of a material down year \u2013 2008 was down 45%.<\/p>\n<p>You plan to withdraw 5% of your assets each year to help fund your retirement \u2013 after social security and distributions from pension plans. Unfortunately, you have to invade principal when bonds are yielding 3% or less \u2013 and this is before investment expenses and inflation are deducted. This scenario will force you to invade your principal, which increases your risk of running out of money late in life.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"3_%E2%80%93_Catastrophic_Incident\"><\/span><strong>#3 &#8211; Catastrophic Incident<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>$4,000 per month for assisted living may increase to $10,000 per month in your lifetime. How do you prepare for this extraordinary increase?<\/p>\n<p>A debilitating illness (stroke, Alzheimer\u2019s) can destroy almost any retirement plan. You could lose a source of future savings. Your out-of-pocket medical expenses could skyrocket. \u00a0Meanwhile, your\u00a0spouse still needs money to live.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"4_%E2%80%93_Running_Out_of_Money\"><\/span><strong>#4 &#8211; Running Out of Money<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Running out of money late in life is a very real concern for 100 million Americans. There is no easy solution except keep working.<\/p>\n<p>The #1 concern of the investors who responded to our survey was running out of money late in life. For some seniors, that could be 20 or 30 years from now. That is a lot of anxiety for a long period of time. The best rule: You can never have too much money.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"5_%E2%80%93_Bad_Financial_Advice\"><\/span><strong>#5 &#8211; Bad Financial Advice<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The scariest statistic of all is that 79% of investors who say they <strong><span style=\"color: #0000ff;\"><a href=\"https:\/\/www.paladinregistry.com\/blog\/advisors\/determining-quality-financial-advisors\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"color: #0000ff;\">do not know if they selected competent, ethical financial advisors<\/span><\/a><\/span><\/strong>.<\/p>\n<p>Your odds of a successful retirement experience go way up if you have a top quality financial advisor. The odds go way down if you select an incompetent or unethical advisor. It is very scary when your financial security may be influenced or controlled by people who put their interests ahead of yours.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>You are exposed to five potentially catastrophic financial risks, unless you are lucky enough to be in the top 15% of wage earners who have substantial retirement savings. The top 15% are the chosen few who were lucky enough to work for the right companies or disciplined enough to begin saving for retirement at a fairly young age. The risks that are described in this article\u00a0have the greatest impact on<\/p>\n","protected":false},"author":2,"featured_media":5922,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[117],"tags":[],"class_list":["post-5860","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-retirement"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>5 Retirement Risks That Bite and How to Prepare for Them<\/title>\n<meta name=\"description\" content=\"You are exposed to five potentially catastrophic retirement risks, unless you are in the top 15% of wage earners who have substantial retirement savings.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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