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Plan Insight

NOVEMBER 2010 Newsletter

And the Survey Says Longevity #1 Risk

There are many risks to consider when saving for retirement. The retirement risk advisers think is most important for them to address with clients is longevity.

In fact, in a recent survey, 79% of advisers said the area of risk most important for them to focus on is longevity, according to the Cerulli Edge Retirement Edition, Third Quarter 2010. Sixteen percent of advisers thought this was somewhat important and only 6% thought it was least important.  

The next most important area of risk is improper asset allocation; 77% chose that as the most important risk area to manage, 17% thought it was somewhat important, and 6% thought it was least important.

From these findings that longevity and improper asset allocation are the most important areas of risk that advisers feel they help manage Cerulli drew the conclusion that advisers will continue to have a growing interest in guaranteed income options as possible solutions.  

Other areas of risk that advisers see as being important to tackle are:

Maintaining desire lifestyle, 70%

Inflation/purchasing power, 69%

Healthcare costs, 65%

Sequence of market returns, 50%

Taxes, 48%

Estate considerations, 35%

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Information is provided for review and consideration only. Please consult legal and tax advisors for practical advice pertaining to your business and personal situations.

Material in our newsletter may have been extracted in whole or in part from the IRS Employee Plans publication, and the presence of IRS material does not constitute or imply the endorsement, recommendation, or favoring by the IRS of any opinions, products, or services offered by the sponsor of this web page or document.

This page was last reviewed and/or updated on Friday, July 03, 2015 05:21 PM


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