Can you afford to live to 104?

Key Points Saving for retirement is often based on life expectancy, not life potentiality Many investors will outlive their savings A few simple strategies and products can help reduce your exposure Background Time in the market: Strategy or slogan? explained why time in the market doesn’t cure all ills. For those at or near retirement age, time is even less help. It may even be your enemy. First, there’s longevity risk—the risk of you outliving your savings. Second, retirees are more exposed to the ‘sequence of returns’ than other investors and can’t afford an early hit to capital. They...

Time in the market: Strategy or slogan? explained why time in the market doesn’t cure all ills. For those at or near retirement age, time is even less help. It may even be your enemy.

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