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As you approach retirement, you’ve probably been told that you need to get more conservative with your investments.

While that advice is common, applying it without considering your personal situation could significantly reduce your long-term growth and weaken the resilience of your retirement plan.

In this episode, David shares a recent conversation with a client that highlights a massive retirement misconception.

The truth is, there is no one-size-fits-all rule for how much risk you should take.

We'll compare two retirees who each have $1 million saved, yet one may be able to invest as aggressively as someone in their 30s while the other may benefit from a more conservative approach.

The difference isn't their age or portfolio size. It comes down to:

- Income sources
- Your lifestyle liabilities & goals
- Risks that existed in their plan

David also shares a real-world story of a retiree whose portfolio fell 45% because they didn't fully understand the amount of risk they were taking, and how situations like that can often be avoided with proper planning.

💬 Do you think most retirees are too conservative or take too much risk? We'd love to hear your thoughts in the comments.


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Investment advisory services offered through Foundations Investment Advisors, LLC (“Foundations”), an SEC registered investment adviser. The views, statements and opinions expressed herein are those of the individual speakers and not necessarily of Foundations or their affiliates. The content provided is for educational purposes only. No investment, legal or tax advice is provided. Always consult with a professional.

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