retirement risk ???

1. Longevity Risk
the biggest risk and the most difficult to figure out.Long lifetimes are difficult to predict for individuals.best way to manage that risk? Social Security, traditional pensions and payout annuities all promise to pay an individual a specified amount of income for life, according to the SOA, reverse mortgage; "longevity insurance," ......

2. Inflation Risk
inflation has averaged 3% since 1913, it's also true that it's gone up nearly 9% in some decades and it's fallen nearly 2% in another decade.there are no guarantees when it comes to predicting the cost of living in the future.
investors try to own some assets whose value may grow in times of inflation.however,this sometimes will trade inflation risk for investment risk.

3. Interest Rate Risk
to manage this risk? The SOA recommends immediate annuities, long-term bonds, mortgages or dividend-paying stocks.

5. Business Risk
Lots of bad stuff can happen to retirement funds.You can gauge whether your employer is safe by its credit rating or whether your insurance is safe by it claims-paying ability rating. But you still need to manage this risk.

other 10 risks associated with retirement are: business risk; public policy risks; unexpected health-care needs and costs; lack of available facilities or caregivers; loss of ability to live independently; change in housing needs; death of a spouse; other change in marital status (read: divorce); unforeseen needs of family members; and bad advice, fraud or theft.