Post Retirement Risk

Types of Post-Retirement Risks

Post-retirement risks that can affect retirees and their financial security. They’re grouped into four categories. People preparing for retirement or already in retirement should consider them carefully:

  • Personal and family – Changes in your life or the life of a loved one could affect your retirement income stream.
  • Healthcare and housing – These include the risk that failing health will require moving to a facility with professional caregivers.
  • Financial – These risks revolve around inflation, investments and stock market activities.
  • Public policy – Government can make decisions that could affect retirees.
  • Employment Risk
  • Longevity Risk
  • Death of a Spouse
  • Unforeseen Needs of Family Members
  • Unexpected Healthcare Needs and Costs
  • Change in Housing Needs
  • Lack of Available Facilities or Caregivers
  • Inflation Risk
  • Interest Rate Risk
  • Stock Market Risk
  • Investment Risk
  • Government Policy
  • Tax
  • Retirement & pension Policy