From Yahoo Finance: 2025-04-15 12:27:00

Assumption #1: Expecting robust stock and bond market returns for your retirement may not be realistic. Historical data shows that there have been periods of lower returns, so it’s best to lower your market-return projections and planned withdrawal rates to be safe.

Assumption #2: Assuming inflation will remain low can be risky. Consider incorporating inflation hedges in your retirement portfolio and plan for higher inflation rates, customizing your forecast based on actual spending habits.

Assumption #3: While working past age 65 can benefit your retirement plan, unexpected factors like health issues or unemployment may force you to retire earlier than planned. Be prepared to fall back on other measures such as lifestyle changes and increased savings if needed.

Assumption #4: Relying on receiving an inheritance for your retirement may not be realistic. Communicate early with family members about inheritances to avoid overspending and under saving based on expectations that may not materialize.



Read more at Yahoo Finance: 4 dangerous assumptions that could hurt your retirement