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retirement challenges seem not so big...

Five big retirement challenges. One retirement dream (yours.)
One very personalized approach.

Thinking about retirement is no longer a future event for many Americans; most of us recognize the need for careful planning throughout our working years. This planning often entails saving and investing with the goal of meeting individual cash flow needs in retirement, preserving capital, and managing risk. And with Americans living longer lives, planning for a longer retirement has become even more important.

Newsletter: Five Challenges To Your Retirement

Video: Hidden Threats To Your Retirement, presented by PNC Wealth Management® and PNC Institutional Asset ManagementSM

Here are five often-overlooked challenges that could impact your retirement goals:

Challenge One:

Improper asset allocation
Being too conservative in your investing means you run the risk of your portfolio not even beating inflation over the long term. But being too aggressive can put you at risk of losing too much of your money. A carefully thought out asset allocation, however, can offer you a combination of growth and protection.

Challenge Two:

Higher interest rates
At some point, interest rates will likely rise from their still near historic lows. And when they do, bonds as a group will likely underperform stocks. But some kinds of bonds can weather rising interest rates better than others. Your PNC Investments Financial Advisor can help you make your bond choices wisely.

Challenge Three:

Inflation is often hard to see, but it's very real. In simple terms, it means every dollar you have today buys less than it did in the past. It's important that your plans for retirement take inflation into account.

Challenge Four:

Rising healthcare costs
Healthcare costs keep rising. And the future of Medicaid and Medicare remain in question as the government struggles with how to rein in costs. With this in mind, you'll likely need to set aside more money for future medical care than people retiring today.

Challenge Five:

Market risk
We all remember what happened to the stock market and housing prices not too long ago. By scenario testing the plans you've made for retirement, your PNC Investments Financial Advisor can help you better prepare for sudden drops in the markets.

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Important Legal Disclosures and Information

This material is meant to educate and not to provide legal, tax, accounting or investment advice. PNC Investments and its affiliates and vendors do not provide legal, tax or accounting advice.

Important Investor Information: Brokerage and insurance products are:

Not FDIC Insured • Not Bank Guaranteed • Not A Deposit
Not Insured By Any Federal Government Agency • May Lose Value

Securities products, brokerage services and managed account advisory services are provided by PNC Investments LLC, a registered broker-dealer and a registered investment adviser and member FINRA, and SIPC. Annuities and other insurance products are offered through PNC Insurance Services, LLC, a licensed insurance agency.

This material does not constitute an offer or solicitation in any jurisdiction where or to any person to whom it would be unauthorized or unlawful to do so.

PNC Investments does not guarantee the performance of any investment. Investing results may vary. Investments may lose money. Diversification and asset allocation may not prevent a loss of investment.

PNC Investments LLC, PNC Insurance Services, LLC and PNC Bank, National Association are each affiliated with The PNC Financial Services Group, Inc.

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