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A Conservative Retirement Saver Portfolio

Even with retirement on the horizon, our portfolio maintains a sizable equity weighting.

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Seventy-five years ago, the average remaining life expectancy for a man reaching age 65 was 12.7 years, and 14.7 years for a 65-year-old woman, according to Social Security Administration data. Fast forward to today and those numbers have increased to 19.3 years and 21.6 years, respectively

Those life expectancy gains are, of course, largely a positive. But when you combine longer life spans with the fact that more and more people are coming into retirement with Social Security as their only guaranteed income source, it's not hard to see why such a large swath of the population is concerned about outliving its assets. In an oft-cited study conducted by Allianz Life Insurance, 82% of people age 44-49 with dependents said that they're more worried about running out of money than they are dying.

Christine Benz does not own (actual or beneficial) shares in any of the securities mentioned above. Find out about Morningstar’s editorial policies.

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