Those risks outweigh the benefits of having a bit more money — which, if you've hit your savings goal, you theoretically don't need."Taking too much risk increases the probability you'll run out of money," he said of retirement. "And the consequences of running out of money can be dire."
There are several future unknowns: investment returns, life span, inflation, and costs for health care or long-term care, for example. Basically, retirees determine how much they'd need to withdraw from their investments in their first year of retirement to live comfortably.
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