June 23, 2021

50. Planning for Retirement and Risk with Ron Surz

50. Planning for Retirement and Risk with Ron Surz

Ron Surz is co-host of the Baby Boomer Investing Show, President of Target Date Solutions, and CEO of GlidePath Wealth Management. On this episode of CFO at Home Ron and Vince discuss the current state of retirement planning, gauging retirement risk,...

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Retirement

Ron Surz is co-host of the Baby Boomer Investing Show, President of Target Date Solutions, and CEO of GlidePath Wealth Management. On this episode of CFO at Home Ron and Vince discuss the current state of retirement planning, gauging retirement risk, risk tolerance versus risk capacity, and more.

  • Key Takeaways:
    • The Retirement “Risk Zone” is the time of transition from working life to retirement
    • Sequence of Return Risk - The timing of when you start to draw down retirement savings; can impact how long your funds can last
    • Your view of risk and risk tolerance can change as you get closer to retirement
    • Target date funds are designed to help investors manage investment risk passively; they invest in equities more aggressively when you’re young, and become more conservative as you age. 
    • Risk Tolerance is about how much risk you can handle/live with. Risk Capacity recognizes that you may reach a point as an investor when higher levels of risk are no longer wise. 
    • At some point, what you’ve saved for retirement has to be “enough”. Taking more risk is not always practical. 
    • If you’re playing catch-up and close to retirement, how much you save can be as important if not more important than rate of return
    • The stock market is currently richly valued