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

Market risk

Liquidity risk

Sequence of returns

Forced retirement

Interest rate risk

Re-employment may not happen at all

Losing of spouse

Unexpected financial responsibility

Retirement timing risk


Related Articles:

Post Footer automatically generated by Add Post Footer Plugin for wordpress.

  1. Four ways(4Ts) to manage the risks. The choice has to be made prudently.

    Transfer the Risk or
    Treat the Risk or
    Take the Risk or
    Terminate the Risk

Leave a Reply

Your email address will not be published. Required fields are marked *

You may use these HTML tags and attributes:

<a href="" title=""> <abbr title=""> <acronym title=""> <b> <blockquote cite=""> <cite> <code> <del datetime=""> <em> <i> <q cite=""> <s> <strike> <strong>