One is the risk of outliving your assets; the other is the risk of losing your purchasing power. How you allocate your assets to manage and mitigate those risks matters. Put too much of your money in one place, and you run the risk of not keeping pace with inflation. Put too much in another place, and you run the risk of running out of money or, as some say, lifestyle.
In over 40 years of business, our firm has never lost any money for our clients, in part because they don't own mutual funds. The following article seeks to simplify the many complexities of mutual fund expenses so investors are able to discover the true costs associated with mutual fund ownership.
It sure is fun to see the positive returns of a bull market. But, if you are cringing at the sight of significant downturns and losses when a big, bad, bear comes into view, perhaps the slow, steady, performance of a fixed indexed annuity should be part of your retirement savings mix.