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Retirement Resilience · Authority Guide

Longevity Risk in Retirement Planning

Healthy 65-year-olds today have a 30%+ chance of reaching 95. Plans built for age 85 fail at age 95.

In this guide

  1. 1 · Executive summary
  2. 2 · Key takeaways
  3. 3 · Key strategies
  4. 4 · Pro-tips checklist
  5. 5 · FAQ
  6. 6 · Related guides & tools

Executive summary

Healthy 65-year-olds today have a 30%+ chance of reaching 95. Plans built for age 85 fail at age 95.

  • Plan to age 100 for healthy non-smokers
  • Longevity annuity as tail insurance
  • Health-span investing for lifestyle

Key takeaways

  • Plan to age 100 for healthy non-smokers
  • Longevity annuity as tail insurance
  • Health-span investing for lifestyle
  • Family longevity history as input

Key strategies

  1. Strategy 1

    Plan to age 100 for healthy non-smokers

  2. Strategy 2

    Longevity annuity as tail insurance

  3. Strategy 3

    Health-span investing for lifestyle

  4. Strategy 4

    Family longevity history as input

Pro-tips checklist

  • Don't rely on actuarial averages
  • Re-test plan every 5 years

FAQ

What's a longevity annuity?

A deferred income annuity that begins payments at age 80–85, insuring against outliving the portfolio.