Retired in America

Your Guide to a Confident Retirement

  • Home
  • Personal finance
  • Retirement Life
  • Saving & Spending

25 Changes to Your 401(K) Plan That Can Save Your Retirement

April 2, 2021 · Personal finance

Reduce Risk as You Approach Retirement

Reduce Risk as You Approach Retirement

You should know how to manage your risk. Younger people have more leeway, whereas those nearing retirement age should be a little more careful by reducing their risk level. After all, the market could drop right before you withdraw your money. And then what will you do!?

That’s why it’s important to review your portfolio regularly. If you haven’t been doing this consistently then the closer you get to retirement, the more important is to take this step now. Make sure a large portion of your 401(k) is allocated to safe investments, like money market funds and bonds.

Pages: 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25

Share this article

Facebook Twitter Pinterest LinkedIn Email

Leave a Reply Cancel reply

Your email address will not be published. Required fields are marked *

Search

Latest Posts

  • A warm mid-century gouache illustration of an older couple happily planning a trip to Europe with a colorful map on their kitchen table. The Cheapest Months to Fly to the Most Popular European Destinations
  • An older woman smiling and laughing while talking on her phone at a sunlit kitchen table with a mug of tea. Telephone Reassurance Programs: Getting Paid to Chat With Seniors
  • An older woman at her sunlit dining table organizing paperwork and folders. Supplemental Security Income: Do You Qualify for Extra Help?
  • An older man happily restoring a wooden chair in his sunlit home workshop, symbolizing flexible and rewarding part-time work. 8 Flexible Part-Time Work That Won't Affect Your SS Benefits
  • A retired woman sits thoughtfully at her sunlit kitchen table, reviewing papers and bills with a warm mug of tea nearby. 16 Things Retirees Often Overpay For Without Realizing
  • An older couple stands on their porch during sunset, looking at a moving truck parked in their driveway. Retirees Regret Choosing These 5 States (Based on Cost and Lifestyle)
  • An older couple sitting at a wooden kitchen table reviewing organized tax documents in warm morning light, representing tax planning. 5 Tax Breaks You Can Claim Without Itemizing in 2026
  • An editorial illustration of a retired couple rolling back a rug to reveal hidden wealth and resources beneath their floorboards. The Retirement Benefits Beyond Traditional Checks - Find Them Here!
  • An editorial gouache illustration showing a stylized Social Security card sliced at the top, revealing gold coins inside. Could Social Security Taxes Change Again?
  • An editorial gouache illustration showing stylized hands adjusting a large monthly benefit check with a ruler and compass. The Benefit Rule That Could Affect Your Monthly Check

Newsletter

Get retirement planning tips, savings strategies, and lifestyle insights delivered to your inbox.

Related Articles

The Worst 5 States for Seniors to Be Healthy

Discover the worst states for senior health, the systemic challenges retirees face in these regions,…

Read More →

14 Things To Sell When You’re Ready To Retire

Old Computers – If you still have your first Macintosh, there are pretty high chances it’s…

Read More →

Are You in Your 50s? Watch Out for These Common Financial Mistakes for Your Age Group

Putting Too Much into Qualified Plans Putting all your money into IRAs, 401(k)s and 403(b)s…

Read More →

11 Retirement Facts You Need to Take Seriously

Understand the stock market People who think they can outsmart the market typically have years…

Read More →

9 401(k) Tips to Get More Money in Retirement

Part-time workers no longer banned from 401(k) plans We have good news and bad news…

Read More →
An editorial gouache illustration showing a stylized Social Security card sliced at the top, revealing gold coins inside.

Could Social Security Taxes Change Again?

Discover the history of Social Security taxation, looming legislative changes ahead of the trust fund…

Read More →

10 USA Cities With Rents Under $1000 for Seniors

Discover 10 vibrant, safe, and affordable US cities where seniors can easily find comfortable apartments…

Read More →
An older couple sitting at a wooden kitchen table reviewing organized tax documents in warm morning light, representing tax planning.

5 Tax Breaks You Can Claim Without Itemizing in 2026

Learn how to lower your AGI and preserve your wealth in 2026 with these five…

Read More →

11 Social Security Mistakes That Could Ruin Your Retirement

8. Forgetting about taxes on Social Security benefits Don’t assume you’re not going to have…

Read More →
Retired in America

Your Guide to a Confident Retirement

Inedit Agency S.R.L.
Bucharest, Romania

contact@retiredinamerica.com

Trust & Legal

About Us

Editorial Policy

Advertiser Disclosure

Frequently Asked Questions

Contact Us

Disclaimer

Terms and Conditions

Privacy Policy

Subscribe

Unsubscribe

Categories

  • Personal finance
  • Retirement Life
  • Saving & Spending

© 2026 Retired in America. All rights reserved.