{"id":9332,"date":"2019-01-14T09:13:49","date_gmt":"2019-01-14T17:13:49","guid":{"rendered":"http:\/\/blog.paladinregistry.com\/?p=9332"},"modified":"2019-01-14T09:13:51","modified_gmt":"2019-01-14T17:13:51","slug":"how-longevity-has-changed-retirement-and-the-meaning-of-reasonable-risk","status":"publish","type":"post","link":"https:\/\/www.paladinregistry.com\/blog\/investing\/how-longevity-has-changed-retirement-and-the-meaning-of-reasonable-risk\/","title":{"rendered":"How Longevity Has Changed Retirement and the Meaning of Reasonable Risk"},"content":{"rendered":"\n<p>People are living longer, and that may be a blessing, but when those same people don\u2019t apply that fact to their retirement plan, it can be a disaster. Many don\u2019t think about those extra years \u2013 when you celebrate a longer retirement, your finances have to last along with you, changing the definition of retirement and what reasonable risk means later in life.<\/p>\n\n\n\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-69d620781284f\" 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-69d620781284f\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.paladinregistry.com\/blog\/investing\/how-longevity-has-changed-retirement-and-the-meaning-of-reasonable-risk\/#Increased_Performance\" title=\"Increased Performance\">Increased Performance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.paladinregistry.com\/blog\/investing\/how-longevity-has-changed-retirement-and-the-meaning-of-reasonable-risk\/#Stock_Market_Crashes\" title=\"Stock Market Crashes\">Stock Market Crashes<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.paladinregistry.com\/blog\/investing\/how-longevity-has-changed-retirement-and-the-meaning-of-reasonable-risk\/#Total_Return_Investing\" title=\"Total Return Investing\">Total Return Investing<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.paladinregistry.com\/blog\/investing\/how-longevity-has-changed-retirement-and-the-meaning-of-reasonable-risk\/#Wall_Street_Myths_%E2%80%A6_And_Realities\" title=\"Wall Street Myths \u2026 And Realities\">Wall Street Myths \u2026 And Realities<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.paladinregistry.com\/blog\/investing\/how-longevity-has-changed-retirement-and-the-meaning-of-reasonable-risk\/#1_Someone_who_uses_the_title_%E2%80%9Cfinancial_advisor%E2%80%9D_must_hold_a_certain_level_of_experience_and_education\" title=\"1. Someone who uses the title \u201cfinancial advisor,\u201d must hold a certain level of experience and education.\">1. Someone who uses the title \u201cfinancial advisor,\u201d must hold a certain level of experience and education.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.paladinregistry.com\/blog\/investing\/how-longevity-has-changed-retirement-and-the-meaning-of-reasonable-risk\/#2_Your_interests_always_come_first\" title=\"2. Your interests always come first.\">2. Your interests always come first.<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.paladinregistry.com\/blog\/investing\/how-longevity-has-changed-retirement-and-the-meaning-of-reasonable-risk\/#The_Danger_of_a_Sales_Representative\" title=\"The Danger of a Sales Representative\">The Danger of a Sales Representative<\/a><\/li><\/ul><\/nav><\/div>\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Increased_Performance\"><\/span>Increased Performance<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>If you retire at age 65 and plan to live well into your 90s, your assets have to produce income, retain their purchasing power and preserve principal for 30 years. That\u2019s 30 years of inflation, recessions, healthcare increases, stock market dips, interest rate changes, global economics, political changes, Social Security and the national debt. Are you prepared and will your money last? <\/p>\n\n\n\n<p>It\u2019s important to discuss your life expectancy with an accredited financial advisor. Ask him or her what an extended retirement will do to your finances later in life and how that changes your reasonable risk. Your days of taking investment risk to produce higher returns may not be over as soon as you thought. <\/p>\n\n\n\n<p>While <a aria-label=\"longevity  (opens in a new tab)\" href=\"https:\/\/ghr.nlm.nih.gov\/primer\/traits\/longevity\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>longevity <\/strong><\/a>can be a wonderful thing, it creates two new retirement risks:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Becoming too conservative too soon&nbsp;<\/li><li>Following bad advice when you invest to improve performance<\/li><\/ul>\n\n\n\n<p>Investment risk tolerance still declines with age, but retirees must also ensure they don\u2019t run out of money late in life when they need it the most. <a aria-label=\"Talk with a financial advisor (opens in a new tab)\" href=\"https:\/\/www.paladinregistry.com\/find\/Paladin-Registry-Advisors\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Talk with a financial advisor<\/strong><\/a> about what reasonable risk will mean during your early retirement years. You may need to consider the performance of your assets for a longer period of time than your parents or grandparents may have had to.<\/p>\n\n\n\n<p>Future retirees who are solely responsible for their own results will have to take more risk because they need higher performance to offset the four primary types of erosion that impact retirement assets: <\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Investment expenses (deductions from your accounts)&nbsp;<\/li><li>Inflation (reduces the purchasing power of your assets)<\/li><li>Taxes (dividends, interest, gains, distributions)<\/li><li>Distributions (if retired and taking money out of accounts)<\/li><\/ul>\n\n\n\n<p><a aria-label=\"How you plan to spend your retirement also makes a difference.  (opens in a new tab)\" href=\"https:\/\/www.paladinregistry.com\/blog\/retirement\/retirement-planning-3-questions-pre-retirees-often-overlook\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>How you plan to spend your retirement also makes a difference. <\/strong><\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Stock_Market_Crashes\"><\/span>Stock Market Crashes<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Unfortunately, future stock market crashes \u2013 and bear markets \u2013 are inevitable. But what can be most worrisome for current and future retirees is the number of years it takes to recover from a crash. Nobody has a crystal ball that can predict when the next crash will occur or why, so working with a <a aria-label=\"financial fiduciary (opens in a new tab)\" href=\"https:\/\/www.paladinregistry.com\/blog\/advisors\/do-fiduciary-financial-advisors-produce-better-results\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>financial fiduciary<\/strong><\/a> who will put your interests first when creating your retirement plan is beneficial. <\/p>\n\n\n\n<p>The worst-case scenario is a stock market crash the year you want to retire. In a short period of time, your assets could decline in value by up to 40 percent, and you\u2019ll have no quick way to recover losses and still be able to retire when you want to. You must accumulate enough assets to survive crashes and still achieve your retirement goals.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Total_Return_Investing\"><\/span>Total Return Investing<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>While retirees used to often limit their investing to bonds only, to avoid the volatility of the stock market, today\u2019s low interest rates have made this strategy obsolete. Now, retirees invest in the stock and bond market for the following reasons:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>They have a more than 30-year investment horizon&nbsp;<\/li><li>Stocks outperform bonds over longer time periods&nbsp;<\/li><li>Retirees need higher returns to offset erosion&nbsp;<\/li><li>Retirees need a reinvestment amount to grow their assets<\/li><\/ul>\n\n\n\n<p>Performance is the primary method of growing assets and preserving their value.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Wall_Street_Myths_%E2%80%A6_And_Realities\"><\/span>Wall Street Myths \u2026 And Realities<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>There are two common myths that salespeople often use to push investment and insurance products. (Be aware, as these myths often sound real when presented by a personable \u201cadvisor\u201d who has strong sales skills.)<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_Someone_who_uses_the_title_%E2%80%9Cfinancial_advisor%E2%80%9D_must_hold_a_certain_level_of_experience_and_education\"><\/span>1. Someone who uses the title \u201cfinancial advisor,\u201d must hold a certain level of experience and education. <span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p>Unfortunately, this is false. The truth is, there are no requirements \u2013 not even possessing a high school diploma \u2013 to call yourself a financial advisor. In fact, most \u201cfinancial advisors\u201d are not advisors at all. Instead, they are licensed sales representatives who masquerade as financial experts. Typically, these salespeople just use the title of financial advisor or financial planner to increase their chances of selling an investment product or service that will provide them with a hefty commission. <\/p>\n\n\n\n<p>Misrepresentation is one of the reasons <a aria-label=\"Paladin Registry  (opens in a new tab)\" href=\"https:\/\/www.paladinregistry.com\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Paladin Registry <\/strong><\/a>offers free resources and fact-checking services for investors. Falling for one of these clever sales tactics can be devastating for an investor long-term. When searching for a financial advisor, make sure you check all credentials listed after an \u201cadvisor\u2019s\u201d name. It\u2019s easy with this complimentary <a aria-label=\"Check a Credential service (opens in a new tab)\" href=\"https:\/\/www.paladinregistry.com\/research\/credentials-financial-certifications\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Check a Credential service<\/strong><\/a>. <\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_Your_interests_always_come_first\"><\/span>2. Your interests always come first. <span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p>Wall Street firms and sales representatives often make this claim in their sales pitches because they know this is what an investor wants to hear, but in many cases, it\u2019s a false promise. <\/p>\n\n\n\n<p>The only way to know if your interests are actually being put first is if an advisor follows the <a aria-label=\"fiduciary standard (opens in a new tab)\" href=\"https:\/\/www.paladinregistry.com\/financial-dictionary\/fiduciary-standards?query=fiduciary\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>fiduciary standard<\/strong><\/a>. Otherwise, major conflicts of interest may exist. <\/p>\n\n\n\n<p>When looking for a financial advisor, be aware of Paladin\u2019s <a aria-label=\"red flags (opens in a new tab)\" href=\"https:\/\/www.paladinregistry.com\/blog\/advisors\/red-flags-look-trying-find-financial-advisor\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>red flags<\/strong><\/a> that often mean an \u201cadvisor\u201d is just a salesperson. You may think you hired a financial advisor to help you accumulate and preserve retirement assets, but in fact, he or she is a salesperson with no experience in the financial services field. Hiring a financial advisor is the most important decision you will make for your financial future. Don\u2019t skimp on your research. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The_Danger_of_a_Sales_Representative\"><\/span>The Danger of a Sales Representative<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Longevity makes working with the wrong financial advisor even more dangerous. (If you need to terminate your current financial advisor, <a aria-label=\"here are some tips (opens in a new tab)\" href=\"https:\/\/www.paladinregistry.com\/blog\/advisors\/what-do-i-do-about-a-bad-financial-advisor-paladin-registry-complaints\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>here are some tips<\/strong><\/a>.)<\/p>\n\n\n\n<p>Reasonable risk should be discussed with a financial advisor who has taken your goals in retirement and your life expectancy into consideration. <\/p>\n\n\n\n<p>Here are 3 reasons why a sales representative can be most dangerous to your retirement and your future: <\/p>\n\n\n\n<ol class=\"wp-block-list\"><li>They are usually paid commissions by third parties.<\/li><li>Many times, they do not provide ongoing advice and services.<\/li><li>Salespeople are not accountable for the performance of their recommendations.<\/li><\/ol>\n","protected":false},"excerpt":{"rendered":"<p>People are living longer, and that may be a blessing, but when those same people don\u2019t apply that fact to their retirement plan, it can be a disaster. Many don\u2019t think about those extra years \u2013 when you celebrate a longer retirement, your finances have to last along with you, changing the definition of retirement and what reasonable risk means later in life. Increased Performance If you retire at age<\/p>\n","protected":false},"author":105,"featured_media":9333,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[395],"tags":[],"class_list":["post-9332","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investing"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How Longevity Has Changed Retirement and the Meaning of Reasonable Risk - Paladin Registry Blog<\/title>\n<meta name=\"description\" content=\"Living longer can be a wonderful thing, but it can change what reasonable risk means to an investor. Will you outlive your money if you live into your 90s?\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.paladinregistry.com\/blog\/investing\/how-longevity-has-changed-retirement-and-the-meaning-of-reasonable-risk\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How Longevity Has Changed Retirement and the Meaning of Reasonable Risk - Paladin Registry Blog\" \/>\n<meta property=\"og:description\" content=\"Living longer can be a wonderful thing, but it can change what reasonable risk means to an investor. Will you outlive your money if you live into your 90s?\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.paladinregistry.com\/blog\/investing\/how-longevity-has-changed-retirement-and-the-meaning-of-reasonable-risk\/\" \/>\n<meta property=\"og:site_name\" content=\"Paladin Registry Blog\" \/>\n<meta property=\"article:published_time\" content=\"2019-01-14T17:13:49+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2019-01-14T17:13:51+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.paladinregistry.com\/blog\/wp-content\/uploads\/2019\/01\/longevity-reasonable-risk-Paladin-Registry.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"724\" \/>\n\t<meta property=\"og:image:height\" content=\"483\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Lauren Aimes\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@PaladinRegistry\" \/>\n<meta name=\"twitter:site\" content=\"@PaladinRegistry\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Lauren Aimes\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.paladinregistry.com\/blog\/investing\/how-longevity-has-changed-retirement-and-the-meaning-of-reasonable-risk\/\",\"url\":\"https:\/\/www.paladinregistry.com\/blog\/investing\/how-longevity-has-changed-retirement-and-the-meaning-of-reasonable-risk\/\",\"name\":\"How Longevity Has Changed Retirement and the Meaning of Reasonable Risk - Paladin Registry Blog\",\"isPartOf\":{\"@id\":\"https:\/\/www.paladinregistry.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.paladinregistry.com\/blog\/investing\/how-longevity-has-changed-retirement-and-the-meaning-of-reasonable-risk\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.paladinregistry.com\/blog\/investing\/how-longevity-has-changed-retirement-and-the-meaning-of-reasonable-risk\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.paladinregistry.com\/blog\/wp-content\/uploads\/2019\/01\/longevity-reasonable-risk-Paladin-Registry.jpg\",\"datePublished\":\"2019-01-14T17:13:49+00:00\",\"dateModified\":\"2019-01-14T17:13:51+00:00\",\"author\":{\"@id\":\"https:\/\/www.paladinregistry.com\/blog\/#\/schema\/person\/02cab6f49de5b6bd0080bffe6d5b4a41\"},\"description\":\"Living longer can be a wonderful thing, but it can change what reasonable risk means to an investor. 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