{"id":59949,"date":"2025-05-15T03:00:17","date_gmt":"2025-05-15T01:00:17","guid":{"rendered":"https:\/\/housesmarketplace.com\/americans-are-living-longer-but-they-arent-prepared-for-retirement-impacts\/"},"modified":"2025-05-15T03:00:17","modified_gmt":"2025-05-15T01:00:17","slug":"americans-are-living-longer-but-they-arent-prepared-for-retirement-impacts","status":"publish","type":"post","link":"https:\/\/housesmarketplace.trio-tv.com\/ru\/americans-are-living-longer-but-they-arent-prepared-for-retirement-impacts\/","title":{"rendered":"\u0410\u043c\u0435\u0440\u0438\u043a\u0430\u043d\u0446\u044b \u0436\u0438\u0432\u0443\u0442 \u0434\u043e\u043b\u044c\u0448\u0435, \u043d\u043e \u043e\u043d\u0438 \u043d\u0435 \u0433\u043e\u0442\u043e\u0432\u044b \u043a \u043f\u043e\u0441\u043b\u0435\u0434\u0441\u0442\u0432\u0438\u044f\u043c \u0432\u044b\u0445\u043e\u0434\u0430 \u043d\u0430 \u043f\u0435\u043d\u0441\u0438\u044e"},"content":{"rendered":"
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While on its face it represents positive momentum for health in the U.S., rising life expectancy also comes with a key financial concern \u2014 longevity risk, or the potential for someone to outlive their retirement<\/a> savings. This is a key challenge that many prospective retirees may not be ready for.<\/p>\n

This is according to research published this month and conducted jointly by the Nationwide Retirement Institute<\/strong><\/a> and the American College of Financial Services<\/strong><\/a>. This was part of a broader Nationwide campaign seeking to \u201cexplore the financial implications and consumer sentiment related to rising life expectancy.\u201d<\/p>\n

Research from the American College found that \u201cextending a retirement by just 5 years from 30 to 35 years increases the risk of depleting savings by a striking 41%, based on historical market returns,\u201d according to the research report<\/a>. \u201cAnd that risk only intensifies as lifespans continue to lengthen, particularly among healthy, higher-income retirees.\u201d<\/p>\n

Additionally, Nationwide found that many Americans appear to be underestimating their chances of living to the age of 100 and the accompanying financial demands that such a lifespan can bring. In a survey, only 29% of respondents indicated they would want to live that long.<\/p>\n

The other 71% cited factors that make such a prospect unattractive, including \u201cconcerns about declining health and deep financial anxieties,\u201d the report explained. \u201cRoughly three in four fear they\u2019ll run out of money before they run out of time.\u201d<\/p>\n

Economic volatility is adding to the challenges and concerns. The joint research found that 40% of non-retired Americans are planning to delay their retirements due to economic instability \u2014 namely inflation<\/a>. The situation is severely exacerbated by an estimated 10% decrease in projected portfolio returns stemming from the U.S. economic situation.<\/p>\n

This necessitates greater attention toward retirement planning, the organizations said in the report. <\/p>\n

Michael Finke, a co-author of the research and a professor of wealth management at the American College of Financial Services, said it\u2019s clear many people are underestimating how long they will live and that planning must include more inclusion of potential longevity.<\/p>\n

\u201cWe consistently see that those who plan for longevity feel more confident about retirement,\u201d Finke said. \u201cThe key drivers of that confidence? Working with an advisor, having access to guaranteed income, and building a plan that\u2019s designed to last.\u201d<\/p>\n

There is also a \u201csilver lining\u201d in the data, the results noted. If Americans knew they would live longer, they would take more proactive steps to plan for a longer life. These include adopting a healthier lifestyle (58%); paying closer attention to finances while increasing savings (67%); and taking on less debt (63%).<\/p>\n

In a recent discussion<\/a> with HousingWire<\/strong>\u2019s Reverse Mortgage Daily (RMD), Wade Pfau, a professor of retirement income at the American College, suggested that some of the current economic volatility could increase the number of conversations about reverse mortgages as a retirement planning tool.<\/p>\n

\u201cIt\u2019s always a matter of if you\u2019re retired, and suddenly the market\u2019s had this pullback and you need to take some distributions to meet expenses, being able to tap into something that\u2019s not exposed to that volatility can be really helpful to manage your long term investment performance,\u201d Pfau said in April.<\/p>\n

\u201cSo that was the original justification for the [Home Equity Conversion Mortgage (HECM)] portfolio coordination strategy. And indeed, I think it still makes as much sense today as at any point, nothing\u2019s really changed in that regard.\u201d<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

While on its face it represents positive momentum for health in the U.S., rising life expectancy also comes with a key financial concern \u2014 longevity risk, or the potential for someone to outlive their retirement savings. This is a key challenge that many prospective retirees may not be ready for. This is according to research […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-59949","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"yoast_head":"\nAmericans are living longer \u2014 but they aren\u2019t prepared for retirement impacts - Houses Marketplace<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/housesmarketplace.trio-tv.com\/ru\/americans-are-living-longer-but-they-arent-prepared-for-retirement-impacts\/\" \/>\n<meta property=\"og:locale\" content=\"ru_RU\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Americans are living longer \u2014 but they aren\u2019t prepared for retirement impacts - Houses Marketplace\" \/>\n<meta property=\"og:description\" content=\"While on its face it represents positive momentum for health in the U.S., rising life expectancy also comes with a key financial concern \u2014 longevity risk, or the potential for someone to outlive their retirement savings. 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