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As markets swing wildly from one headline to the next, a growing number of retirees are discovering volatility doesn\u2019t just threaten their portfolios \u2014 it threatens their peace of mind.<\/p>\n
A 2025 Allianz survey found that 64% of respondents are more worried about running out of money during retirement than about dying (1).<\/p>\n
With so much worry going around, is everybody justified in feeling that way?<\/p>\n
Let\u2019s consider Mike, who is retired at age 63 and has a healthy $850,000 nest egg. On paper, he should feel secure. Yet instead of enjoying his days, he finds himself opening his retirement account app five times a day, watching the balance tick up and down with the market.<\/p>\n
Each dip sparks anxiety: What if I run out? What if this isn\u2019t enough?<\/p>\n
While Mike might look like he\u2019s doing well, he\u2019s still burdened by the worry faced by so many retirees. No matter how well you prepare for retirement, you may still find yourself anxious about money in your golden years.<\/p>\n
And once that worry creeps in, even a sizable nest egg can feel fragile \u2014 especially when your account balances are fluctuating daily with the market.<\/p>\n
But there are still ways to stop worrying and enjoy retirement.<\/p>\n
Here\u2019s how to get to a healthier place and avoid the constant stress of worrying about your financial future.<\/p>\n
Looking at Mike, he actually has a pretty solid retirement plan.<\/p>\n
To start, his $850,000 nest egg is certainly nothing to sneeze at \u2014 especially considering a 2026 survey by Clever Real Estate found that 29% of retirees had no savings at all (2).<\/p>\n
More importantly, Mike\u2019s retirement accounts are invested, which is already a great way to make sure his nest egg will grow. It will also help combat inflation to ensure that he doesn\u2019t outlive his hard-earned savings.<\/p>\n
However, investing means that the account values can change daily, or even hourly, which isn\u2019t easy. Watching those shifts in real time can make even the most diligent saver feel like they\u2019re gambling with their future.<\/p>\n
That\u2019s why one of the most effective ways to quiet the worry is to let a professional do the dirty work of watching the markets and overseeing your accounts. Having that peace of mind alone is a good enough reason for hiring a financial advisor.<\/p>\n
But there are other practical reasons, too.<\/p>\n
One essential reason for hiring a financial advisor in retirement is so that they can help you figure out how much you can withdraw from your savings without depleting your funds. Using their expertise, they can help calculate a sustainable withdrawal rate based on your savings, investment mix and unique lifestyle needs.<\/p>\n
They can even test different scenarios and show you how long your money is likely to last.<\/p>\n
In short, a financial professional can do a lot to ease your retirement worries.<\/p>\n
Read More: I\u2019m almost 50 years old and don\u2019t have retirement savings. Is it too late to catch up?<\/a><\/p>\n Read More: Non-millionaires can now invest in this $1B private real estate fund starting at just $10<\/a><\/p>\n But the process of finding an advisor itself can be time consuming and difficult, let alone figuring out if they align with your needs \u2014 like assessing whether the 4% rule will work for you. That\u2019s where matching services can come into play.<\/p>\n Advisor.com<\/a> is an online platform that can quickly match you with a vetted FINRA\/SEC-registered advisor who can guide you through your retirement options, including a withdrawal plan. Plus, the platform\u2019s advisors are fiduciaries, meaning they are legally obligated to act in your best interest.<\/p>\n Just enter a few details about your finances and goals, and Advisor.com\u2019s AI-powered matching tool will connect you with a qualified expert<\/a> suited to your unique financial needs and goals.<\/p>\n Once you\u2019re matched with an advisor, you can even schedule a free, no-obligation consultation<\/a> to discuss your retirement goals and long-term financial plans.<\/p>\n Working with an advisor helps ensure that your money is allocated in a way that doesn\u2019t keep you up at night.<\/p>\n In Mike\u2019s case, knowing a professional is guiding his decisions could alleviate the anxiety that leads him to check his balances five times a day. Once he\u2019s able to stop fixating on his balance, he won\u2019t have to worry about every little bump in the road.<\/p>\n That\u2019s when he can really start finding ways to boost his nest egg. However, since his retirement fund is already invested, he might have to look to other ways to make his savings see some real growth.<\/p>\n And sometimes that means being less creative.<\/p>\n For example, rather than handpicking stocks, investing in index funds and ETFs might actually be more beneficial for Mike. The beauty of ETF investing is its accessibility \u2014 anyone, regardless of wealth, can take advantage of it \u2014 and its consistency.<\/p>\n \u201cThe trick is not to pick the right company, the trick is to essentially buy all the big companies through the S&P 500 and to do it consistently and to do it in a very, very low cost way,\u201d Warren Buffett once said during an interview with CNBC (3).<\/p>\n But not everyone has the discipline to set aside money to invest every month. That\u2019s where robo-advisors can help you get started.<\/p>\n With Acorns<\/a>, even small amounts can grow over time.<\/p>\n Acorns is the app that lets you automatically invest spare change from your everyday purchases into a diversified portfolio of ETFs managed by experts at leading investment firms like Vanguard and BlackRock.<\/p>\n Here\u2019s how it works: Once you link your debit and credit cards, Acorns automatically rounds up each transaction to the nearest dollar and invests the difference in a smart investment portfolio for you<\/a>.<\/p>\n For instance, if you buy a donut for $3.25, Acorns will round up the purchase to $4 and invest the change in a smart investment portfolio. So a $3.25 purchase automatically becomes a 75-cent investment in your future.<\/p>\n Plus, sign up today and get a $20 bonus investment<\/a>.<\/p>\n Another less creative solution for Mike could be a high-yield savings account.<\/p>\n For example, a Wealthfront Cash Account<\/a>, can be a great place to grow your uninvested cash, offering both competitive interest rates and easy access to your cash when you need it.<\/p>\n A Wealthfront Cash Account currently offers base variable APY of 3.30%, and new clients can get a 0.75% boost over their first three months on up to $150,000 for a total APY of 4.05%<\/a> provided by program banks. That\u2019s over 10 times the national deposit savings rate, according to the FDIC\u2019s January report.<\/p>\n With no minimum balances or account fees, as well as 24\/7 withdrawals and free domestic wire transfers, you can ensure your funds remain accessible at all times.<\/p>\n Plus, Wealthfront Cash Account balances of up to $8 million are insured<\/a> by the FDIC through program banks.<\/p>\n Even with smart investments and the aid of a financial advisor, the key to investing in retirement is there is no one-size-fits-all rule. It\u2019s creating a mix that feels secure.<\/p>\n That\u2019s because when you\u2019re younger, growth is the goal \u2014 a heavy stock allocation makes sense. But once you\u2019re in retirement, the stakes are different. A market downturn can be harder to recover from when you\u2019re drawing down your accounts.<\/p>\n However, if Mike knows his money is being invested in a way that won\u2019t lead to big swings \u2014 and that those allocations align with his comfort level \u2014 he\u2019ll be less tempted to check his investment accounts five times a day for reassurance.<\/p>\n One way Mike could secure his retirement accounts is by diversifying his investments outside of the stock market. And he\u2019d be smart to do so. Many financial experts recommend some amount of hedging against dips in the stock market (4).<\/p>\n For Mike, it may just help him to stop checking his investment app five times each day.<\/p>\n If Mike is looking for a secure option, he should consider investing in real estate.<\/p>\n While investing in real estate may seem like a bold move at Mike\u2019s age \u2014 as it usually requires a huge upfront capital expenditure \u2014 there\u2019s actually a way of doing it that doesn\u2019t require you to purchase a property outright.<\/p>\n With crowdfunding investing platforms like Arrived<\/a>, now you can own a percentage of physical real estate \u2014 such as vacation and rental properties \u2014 without the responsibilities that come along with being a landlord.<\/p>\n Backed by world-class investors like Jeff Bezos, Arrived allows you to invest in shares of rental homes without having to deal with the risks. To get started, simply browse through Arrived\u2019s curated selection of homes, vetted for their appreciation and income potential.<\/p>\n Once you find a property you like, just choose the number of shares you want to buy and get started with as little as $100<\/a>.<\/p>\n And for a limited time, when you open an account and add $1,000 or more, Arrived will credit your account with a 1% match<\/a>.<\/p>\n Another option for investment outside of the stock market is the usual suspect \u2014 gold.<\/p>\n Gold has been one of the best-performing assets over the past year, precisely because a shaky stock market made so many professional investors run to the safe-haven asset.<\/p>\n One way to invest in gold that can also provide significant tax advantages is to open a gold IRA with the help of Thor Metals<\/a>. An account with Thor allows you to physically invest in gold and other precious metals while also providing the significant tax advantages of an IRA.<\/p>\n In fact, a gold IRA is particularly attractive as a retirement option, as it allows investors to hold physical gold or gold-related assets within a retirement account, combining the tax advantages of an IRA with the protective benefits of investing in gold, making it great idea for those looking to potentially hedge their retirement funds against economic uncertainties.<\/p>\n The best part? You can get up to $20,000 worth of precious metals<\/a> when you make a qualifying purchase with Thor Metals \u2014 plus a free wealth preservation guide on sign up.<\/p>\n In the end, the less reliant you are on your nest egg, the less worried you might be about running out of money. Relying more on guaranteed income streams, like Social Security, is key here.<\/p>\n Mike can choose to claim benefits now as he\u2019s already 62, but doing so locks him into permanently reduced checks. Waiting until his full retirement age of 67 means a higher benefit, while delaying until 70 boosts his monthly income even further. Understanding these tradeoffs \u2014 and choosing the right age to claim \u2014 can make a big difference in how secure he feels.<\/p>\n Some retirees also consider annuities or other products that provide a steady lifetime income. The point is to build a foundation of predictable money each month, so the entire burden doesn\u2019t rest on the investment accounts. For Mike, knowing his essential bills will always be covered by Social Security, and perhaps other guaranteed sources, can make the ups and downs of his portfolio less frightening.<\/p>\n Mike\u2019s story is a reminder that worry in retirement isn\u2019t always about the numbers. Even with $850,000 in savings, the lack of a paycheck can create an uneasy feeling of vulnerability.<\/p>\n The path forward isn\u2019t to watch account balances obsessively, but to create a system that replaces that daily reassurance: a withdrawal plan guided by an advisor, an investment strategy that aligns with her comfort level and guaranteed income streams that cover her needs.<\/p>\n With those safeguards in place, Mike and retirees like him can stop treating retirement like a gamble and start enjoying the years they\u2019ve worked so hard for.<\/p>\n Join 250,000+ readers and get Moneywise\u2019s best stories and exclusive interviews first \u2014 clear insights curated and delivered weekly. Subscribe now.<\/a><\/p>\n We rely only on vetted sources and credible third-party reporting. For details, see our editorial ethics and guidelines<\/a>.<\/p>\n Allianz (1<\/a>); Clever Real Estate (2<\/a>); CNBC (3<\/a>); Investopedia (4<\/a>)<\/p>\n This article provides information only and should not be construed as advice. It is provided without warranty of any kind.<\/p>\n","protected":false},"excerpt":{"rendered":"drazenphoto \/ Envato Moneywise and Yahoo Finance LLC may earn commission or revenue through links in the content…\n","protected":false},"author":2,"featured_media":308650,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14],"tags":[144937,72,176,27450,61,60,5489,174,175,9198],"class_list":{"0":"post-308649","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-personal-finance","8":"tag-account-balances","9":"tag-business","10":"tag-finance","11":"tag-financial-advisor","12":"tag-ie","13":"tag-ireland","14":"tag-mike","15":"tag-personal-finance","16":"tag-personalfinance","17":"tag-retirees"},"_links":{"self":[{"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/posts\/308649","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/comments?post=308649"}],"version-history":[{"count":0,"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/posts\/308649\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/media\/308650"}],"wp:attachment":[{"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/media?parent=308649"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/categories?post=308649"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/tags?post=308649"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}