As U.S. employers move away from defined benefit pension plans in favor of self-directed retirement accounts, workers have become responsible for their own investment and longevity risk in retirement – something they’ve never had to deal with before and don’t understand very well.

One thing most people don’t realize is that retirement savings are affected by the rise and fall of interest rates and that just because your assets may be going up doesn’t mean you will have more buying power in the future.

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