Risk in Retirement: What’s the Right Level for You?

Your situation and retirement goals call for an investment approach that takes into account your risk tolerance, risk comfort and capacity for risk.

Two men with climbing equipment consider scaling a cliff.
(Image credit: Getty Images)

We often hear people say that they are good as long as things just keep on moving up and to the right. If only that were the reality.

Of course, if given long enough, that’s what happens. The key part of that statement is “if given long enough.” Recessions happen. When you are accumulating wealth, recessions can be helpful, but in retirement they are not. Recessions generally highlight and bring about the realities of downside risk.

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This article was written by and presents the views of our contributing adviser, not the Kiplinger editorial staff. You can check adviser records with the SEC or with FINRA.

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Scott Noble, CPA/PFS
Co-Creator, Wealth With No Regrets®

Scott Noble of www.wealthwithnoregrets.com is focused on integrated retirement income, tax, investment, estate, charitable and protection planning. Scott also is a Certified Public Accountant (CPA) with Personal Financial Specialist credentials (PFS), which is a certification for providing extensive tax, estate, retirement, risk management and investment planning advice to individuals, families, executives and business owners.