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Corey Hoffstein: Shift from pensions to self-insurance increases individual risk in retirement planning

Corey Hoffstein: Shift from pensions to self-insurance increases individual risk in retirement planning
Individual risk rises as pensions decline

Corey Hoffstein raises the issue that moving from pooled structures such as corporate pensions, where population statistics help to manage longevity risk, to self-insuring longevity risk through vehicles like 401(k) plans leads to higher individual risk exposure.

He suggests that without some mitigating factor, this shift compels individuals to take on more personal risk as they manage longevity in retirement.

Hoffstein has previously analyzed retirement funding by identifying flexible and allocation-focused capital zones in personal finance planning, as detailed in an earlier report. He also recently announced the availability of the quarterly commentary for the Return Stacked suite of ETFs in a separate update. These discussions add context to his ongoing focus on retirement risk management.

This material may contain third-party opinions, none of the data and information on this webpage constitutes investment advice according to our Disclaimer. While we adhere to strict Editorial Integrity, this post may contain references to products from our partners.

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