2 Retirees Same Age Completely Different Risk Levels (Explainer)

✅ Want to know if your portfolio risk actually matches your retirement income? Same age. Same retirement stage. Totally opposite portfolio strategies. And both are doing it right. Here's the thing many people miss: your age has almost nothing to do with how much risk you should be taking in retirement. One retiree in this example has Social Security plus a pension that covers every bill. Their portfolio is essentially a bonus. When markets drop, they never need to touch it, so they can stay aggressive and let it grow. The other retiree relies on their portfolio for nearly everything beyond Social Security. If markets fall sharply and they keep making withdrawals, they're locking in losses and shrinking the base that future growth depends on. That's a very different risk situation, and it calls for a very different strategy. So what actually determines how much risk you should take? It comes down to your income sources, your spending needs, and what your plan looks like when markets go sideways. Watch to see how these two scenarios play out and what it means for building a retirement portfolio that actually fits your life. Open Range Financial Group is a financial advisor serving individuals and families across all stages of life. #RetirementPlanning #PersonalFinance #InvestingTips #SequenceOfReturns #RetirementIncome #shorts