This is a very simple post. It just lists the risks that exist during retirement! I went to the American college which had designed Risk list for the Retirement Income Certified Professional. It is a very long list -AND THE LIST IS NOT complete. Scary is it not? Well with longevity to worry about, as a fund manager there are many times that you have to behave like an endowment fund of a college rather than an individual. Remember for about 40 years YOU are going to ONLY WITHDRAW from a fund!
Here is the list:
Excess withdrawal at a younger age (young part of the retired life)
Health care shooting through the roof
Excessively aggressive a portfolio
Excessively conservative a portfolio
Financial / Physical Elder abuse
Sequence of returns
Interest rate risk
Re-employment may not happen at all
Losing of spouse
Unexpected financial responsibility
Retirement timing risk
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