{"id":13758,"date":"2021-07-26T07:51:47","date_gmt":"2021-07-26T14:51:47","guid":{"rendered":"http:\/\/www.marketriders.com\/investing\/?p=13758"},"modified":"2021-07-26T07:51:47","modified_gmt":"2021-07-26T14:51:47","slug":"what-if-you-live-well-past-100-it-could-happen","status":"publish","type":"post","link":"https:\/\/www.marketriders.com\/investing\/what-if-you-live-well-past-100-it-could-happen\/","title":{"rendered":"What If You Live Well Past 100? It Could Happen"},"content":{"rendered":"

How long are you planning to live in retirement? Most people think they’ll retire by 65 and, with luck, live to see 90 or so.<\/p>\n

The reality is somewhat like that, but things also could be quite different for any given one of us.<\/p>\n

For instance, a huge percentage of Americans actually retire, or last semi-retire, at 62, the first year they qualify for\u00a0Social Security benefits<\/a>.<\/p>\n

Many, too, end up going back to work in some capacity or finding a more relaxed retirement job to make ends meet.<\/p>\n

How about the other end of the equation?<\/p>\n

\"\"<\/p>\n

Well, the current\u00a0average life expectancy of Americans<\/a> is close to 79. (Women live a little longer on average, men a little less.)<\/p>\n

But, we’re adding years to the back end at a dramatic pace. By the end of this century it’s possible that humans might live to see 130, according to new research<\/a>.<\/p>\n

That\u2019s an outlier number for sure, but for many working toward retirement now what the research means is that 80 or 90 and even 100 wouldn\u2019t be a surprising outcome.<\/span><\/p>\n

That means retiring at 65 requires planning for living 25 years in retirement \u2014 or more.<\/span><\/p>\n

Long-term thinking<\/span><\/p>\n

Does this mean people should perhaps plan to work longer? Have several careers over a lifetime? Maybe expect to retrain more than once in a lifetime?<\/span><\/p>\n

All of that seems plausible enough, but the really big idea here is saving more<\/a> and investing more early on<\/a>, and then continuing to save and invest as you age.<\/p>\n

It\u2019s entirely possible that the nest egg you thought you might be tapping at 70 needs to keep growing and compounding until 80. And this doesn\u2019t take into account added medical costs as you age.<\/span><\/p>\n

So how can you manage to make your money last? By making sure it grows. A great way to do that is to invest in a portfolio that includes stocks, bonds and other investments, such as real estate and foreign stocks.<\/p>\n

That used to be a complicated task, but low-cost index funds<\/a> simplify the process while keeping expenses in check.<\/p>\n

Adding diversification is easy if you already own a widely diversified stock fund, and that’s what a broad market fund does by design.<\/p>\n

You might live longer than you expect, and you absolutely have to plan ahead<\/a> if you want your money to grow old with you.<\/p>\n

Thankfully, the tools and guidance are increasingly available to all levels of savers and investors.<\/span><\/p>\n

MarketRiders, Inc. is a registered investment adviser.\u00a0 Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies.\u00a0 Investments involve risk and, unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and\/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance.<\/i><\/small><\/p>\n","protected":false},"excerpt":{"rendered":"

How long are you planning to live in retirement? Most people think they’ll retire by 65 and, with luck, live to see 90 or so. The reality is somewhat like … Read more →<\/span><\/a><\/p>\n","protected":false},"author":8,"featured_media":13759,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_wp_rev_ctl_limit":""},"categories":[8],"tags":[],"yoast_head":"\nWhat If You Live Well Past 100? It Could Happen | MarketRiders<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.marketriders.com\/investing\/what-if-you-live-well-past-100-it-could-happen\/\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:title\" content=\"What If You Live Well Past 100? It Could Happen | MarketRiders\" \/>\n<meta name=\"twitter:description\" content=\"How long are you planning to live in retirement? Most people think they’ll retire by 65 and, with luck, live to see 90 or so. The reality is somewhat like … Read more →\" \/>\n<meta name=\"twitter:image\" content=\"https:\/\/www.marketriders.com\/investing\/wp-content\/uploads\/2021\/07\/pablo-heimplatz-OSboZGvoEz4-unsplash.jpg\" \/>\n<meta name=\"twitter:creator\" content=\"@marketriders\" \/>\n<meta name=\"twitter:site\" content=\"@marketriders\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"MarketRiders\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.marketriders.com\/investing\/what-if-you-live-well-past-100-it-could-happen\/\",\"url\":\"https:\/\/www.marketriders.com\/investing\/what-if-you-live-well-past-100-it-could-happen\/\",\"name\":\"What If You Live Well Past 100? It Could Happen | MarketRiders\",\"isPartOf\":{\"@id\":\"https:\/\/www.marketriders.com\/investing\/#website\"},\"datePublished\":\"2021-07-26T14:51:47+00:00\",\"dateModified\":\"2021-07-26T14:51:47+00:00\",\"author\":{\"@id\":\"https:\/\/www.marketriders.com\/investing\/#\/schema\/person\/f2be262f5c0f3ed5ad50d6c40640ba8c\"},\"breadcrumb\":{\"@id\":\"https:\/\/www.marketriders.com\/investing\/what-if-you-live-well-past-100-it-could-happen\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.marketriders.com\/investing\/what-if-you-live-well-past-100-it-could-happen\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.marketriders.com\/investing\/what-if-you-live-well-past-100-it-could-happen\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.marketriders.com\/investing\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"What If You Live Well Past 100? It Could Happen\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.marketriders.com\/investing\/#website\",\"url\":\"https:\/\/www.marketriders.com\/investing\/\",\"name\":\"MarketRiders.com\",\"description\":\"How To Become A Better Investor\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.marketriders.com\/investing\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.marketriders.com\/investing\/#\/schema\/person\/f2be262f5c0f3ed5ad50d6c40640ba8c\",\"name\":\"MarketRiders\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.marketriders.com\/investing\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/8e06113f594828daaf313d283544d566?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/8e06113f594828daaf313d283544d566?s=96&d=mm&r=g\",\"caption\":\"MarketRiders\"},\"sameAs\":[\"https:\/\/www.marketriders.com\"],\"url\":\"https:\/\/www.marketriders.com\/investing\/author\/support\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"What If You Live Well Past 100? It Could Happen | MarketRiders","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.marketriders.com\/investing\/what-if-you-live-well-past-100-it-could-happen\/","twitter_card":"summary_large_image","twitter_title":"What If You Live Well Past 100? It Could Happen | MarketRiders","twitter_description":"How long are you planning to live in retirement? Most people think they’ll retire by 65 and, with luck, live to see 90 or so. The reality is somewhat like … Read more →","twitter_image":"https:\/\/www.marketriders.com\/investing\/wp-content\/uploads\/2021\/07\/pablo-heimplatz-OSboZGvoEz4-unsplash.jpg","twitter_creator":"@marketriders","twitter_site":"@marketriders","twitter_misc":{"Written by":"MarketRiders","Est. reading time":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.marketriders.com\/investing\/what-if-you-live-well-past-100-it-could-happen\/","url":"https:\/\/www.marketriders.com\/investing\/what-if-you-live-well-past-100-it-could-happen\/","name":"What If You Live Well Past 100? It Could Happen | MarketRiders","isPartOf":{"@id":"https:\/\/www.marketriders.com\/investing\/#website"},"datePublished":"2021-07-26T14:51:47+00:00","dateModified":"2021-07-26T14:51:47+00:00","author":{"@id":"https:\/\/www.marketriders.com\/investing\/#\/schema\/person\/f2be262f5c0f3ed5ad50d6c40640ba8c"},"breadcrumb":{"@id":"https:\/\/www.marketriders.com\/investing\/what-if-you-live-well-past-100-it-could-happen\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.marketriders.com\/investing\/what-if-you-live-well-past-100-it-could-happen\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.marketriders.com\/investing\/what-if-you-live-well-past-100-it-could-happen\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.marketriders.com\/investing\/"},{"@type":"ListItem","position":2,"name":"What If You Live Well Past 100? It Could Happen"}]},{"@type":"WebSite","@id":"https:\/\/www.marketriders.com\/investing\/#website","url":"https:\/\/www.marketriders.com\/investing\/","name":"MarketRiders.com","description":"How To Become A Better Investor","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.marketriders.com\/investing\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/www.marketriders.com\/investing\/#\/schema\/person\/f2be262f5c0f3ed5ad50d6c40640ba8c","name":"MarketRiders","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.marketriders.com\/investing\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/8e06113f594828daaf313d283544d566?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/8e06113f594828daaf313d283544d566?s=96&d=mm&r=g","caption":"MarketRiders"},"sameAs":["https:\/\/www.marketriders.com"],"url":"https:\/\/www.marketriders.com\/investing\/author\/support\/"}]}},"_links":{"self":[{"href":"https:\/\/www.marketriders.com\/investing\/wp-json\/wp\/v2\/posts\/13758"}],"collection":[{"href":"https:\/\/www.marketriders.com\/investing\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.marketriders.com\/investing\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.marketriders.com\/investing\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/www.marketriders.com\/investing\/wp-json\/wp\/v2\/comments?post=13758"}],"version-history":[{"count":5,"href":"https:\/\/www.marketriders.com\/investing\/wp-json\/wp\/v2\/posts\/13758\/revisions"}],"predecessor-version":[{"id":13764,"href":"https:\/\/www.marketriders.com\/investing\/wp-json\/wp\/v2\/posts\/13758\/revisions\/13764"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.marketriders.com\/investing\/wp-json\/wp\/v2\/media\/13759"}],"wp:attachment":[{"href":"https:\/\/www.marketriders.com\/investing\/wp-json\/wp\/v2\/media?parent=13758"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.marketriders.com\/investing\/wp-json\/wp\/v2\/categories?post=13758"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.marketriders.com\/investing\/wp-json\/wp\/v2\/tags?post=13758"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}