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Submitted by: Puthan(VJ) Vijayan
Puthan(VJ) Vijayan is the Principal member of PMV Investment Advisors, LLC. The firm is a Registered Investment Advisor. VJ is a Certified Estate Planner and Registered Financial Consultant, with over 15 years of planning and investment experience.
Five risks can be identified:
1)Longevity-risk of outliving your retirement assets.It is believed that there is a 50%
chance that surviving spouse/partner will live to 92 yrs.
2)Withdrawing distributions at a rate greater than 4%-it increases the probability of
running out of money sooner than you would like.
3)Retirement portfolio asset mix-maintaining the appropriate mix of equities and fixed
income assets in your portfolio can affect your retirement portfolio's long term growth
potential, thus allowing you the potential to outlive your retirement asset portfolio.
4)Healthcare costs-the continued escalation can undermine your retirement outlook.It
is believed that it could cost a 65 yrs couple $200,000 of medical expenses when in retirement.
5)Inflation-this risk tend to push prices higher,including cost of borrowing money.It is
absolutely critical that your retirement portfolio perform greater than the inflation rate, in any period of time.
Puthan(VJ) Vijayan CEP RFC MBA
PMV Investment Advisors,LLC
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