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Risks in retirement

Retirement comes with a unique set of risks that can get between you and a financially sound existence.

Here’s what they are:

• Longevity risk – you’ll probably live longer than previous generations, but you could also outlive your savings
• Inflation risk – On-going increases in the cost of living could significantly affect your future buying power
• Withdrawal rate risk – your assets won’t last as long as you do if you withdraw too much each year
• Sequence of returns risk – poor market performance early in your retirement could cause you to deplete your savings faster than if it happens later in retirement.