Experts Warn 86% of High-Risk Retirees Are Failing a Crucial Diversification Test. What Does This Mean for Your Future?

Key Takeaways In a 2025 survey of over 1,000 investors, about 86% of high-risk retirees failed to meet a basic asset diversification benchmark. Financial experts caution against overly relying on cash and bonds to avoid market risk and instead recommend balancing cash, bonds, stocks, and other investments for long-term growth. Dynamic withdrawal strategies and adjusting asset allocation are key to managing market risk in retirement. As retirement nears, many investors shift their focus to minimizi ...