SELF IMPROVEMENT

market risk
Advice to retirees on how to allocate assets tends to be optimistic or pessimistic - depending on the current situation. When there is a sharp downturn in the stock market, retirees are advised that being conservative is the key. On the other hand, "experts" advise that stocks are the solution to the risks of retirement if the stock market is buoyant.
The corollary of following the trend is selling in the bear market and buying in the bull market. Finding the optimum balance with market risk is the answer, albeit a somewhat tricky one. Fortunately, retirees can use some methods to manage market risk during retirement.
== Portfolio diversification ==
Retirees can manage the "Where to invest" dilemma by spreading the risk among cash, income and growth options. == Buy cheap ==
The most expensive stocks and mutual funds do not necessarily bear the highest returns. == Use annuities ==
Annuities are income options that shield the annuitant from market risk by offering base guarantees.
== Choose dividend-paying investments ==
Dividend-paying stocks are generally less volatile because they are invested in relatively more stable growth
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