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Understanding Risk Tolerance as You Age
Trivia: What modern-day nation was formerly known as Ceylon?
RetireHub
July 28, 2025
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Rise and shine, RetireHub community! ☀️ Your Monday newsletter is here!
Today we’re sharing smart tips on understanding risk tolerance as you age, along with the best deals, fun trivia, and more!
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86% of pets aren’t insured. That means most pet parents could be on the hook for the sky-high vet bills that often come with unforeseen accidents and illnesses.
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On this day in 1914: World War I Begins. After the assassination of Archduke Franz Ferdinand of Austria, Austria-Hungary declared war on Serbia on this day, officially igniting the First World War. What followed was a global conflict involving over 30 countries and forever changing the course of the 20th century. It was called “The War to End All Wars”—though history had other plans.
Understanding Risk Tolerance as You Age
Why Your Approach to Investing Might (and Probably Should) Shift Over Time
As we grow older, many things in life change — and your attitude toward financial risk is no exception. Risk tolerance refers to how much market volatility or potential financial loss you’re comfortable with in your investments. Understanding how this shifts with age can help you make smarter, more confident financial decisions.
In your younger years, you may have had decades ahead to ride out market dips and recover from downturns. This typically allows for a higher risk tolerance — meaning you might have been comfortable investing in stocks or aggressive funds that swing wildly in value, knowing you had time to bounce back.
But as you approach retirement or move into it, your financial priorities often change. The focus shifts from growing wealth to preserving it, and ensuring it lasts as long as you do. That’s when many people find that their risk tolerance naturally declines. After all, losing a big chunk of your nest egg right before or after retiring can have a serious impact on your long-term financial security.
However, this doesn’t mean you need to avoid risk altogether. In fact, some level of risk is still important — especially to protect your savings from inflation and help your money continue to grow. The key is finding a balance. A mix of more stable investments (like bonds or dividend-paying stocks) and some growth-oriented assets can help you feel secure while still staying ahead financially.
It’s also worth noting that risk tolerance isn’t purely based on age. Your health, retirement goals, income sources (like pensions or Social Security), and even your personality play a role. That’s why it’s smart to check in with your financial advisor regularly to reassess your comfort level and adjust your portfolio if needed.
In short, understanding your risk tolerance — and how it naturally evolves — is one of the best ways to stay in control of your financial future. It's not about eliminating risk, but managing it wisely. The more in tune you are with your comfort zone, the better positioned you'll be to make calm, confident choices no matter what the market is doing.
Yesterday’s Poll Results: How do you usually stay in touch with extended family?
It’s no surprise that the overwhelming favorite way to stay connected is through quick texts or phone calls — with over 60% of you saying that’s how you keep in touch with extended family. There’s something comforting about hearing a familiar voice or sending a “thinking of you” message on the fly.
Social media came in second, with 15% catching up online, while emails and newsletters are still holding their own at 7%. Holidays and reunions made a modest showing, and a few folks shared they wish they stayed in better touch — which is so relatable. Life gets busy, and sometimes it’s hard to find the right rhythm.
Whether you're a texter, a holiday hugger, or someone still figuring it all out, one thing is clear: the desire to stay connected is there. And that matters most.
TOP COMMENTS
“Weddings and funerals are when we see extended family.”
“I have one cousin I see on Facebook and comment on her posts. I'm not friends with my other 2 cousins. One isn't on Facebook & the other one hasn't accepted my friend request.”
“We stay connected through a very active family group text. Everyone chimes in—sharing fun news, sad updates, recipes, and plenty of lighthearted moments. Since we’re spread out across the country, we’ll also hop on Zoom now and then. It’s really helped keep us close in heart, even if we’re far apart in distance.”
Simple Everyday Moves to Keep You Active and Strong After 60
Staying active doesn’t have to mean hitting the gym for hours—sometimes, the best fitness comes from small, easy habits woven into your daily life. From climbing stairs and gardening to taking leisurely walks, these natural movements help maintain strength, flexibility, and overall wellness. Setting realistic goals and choosing enjoyable activities can keep motivation high and make staying active feel less like a chore and more like a lifestyle. It’s all about finding joy in motion and embracing simple ways to keep your body moving every day.
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Slang Phrase of the Day
Phrase: What’s the 411?
Meaning: The slang phrase “What’s the 411?” means “What’s the information?” or “What’s going on?” It comes from the days when people dialed 4-1-1 on the phone to get directory assistance or local information. It’s a playful and friendly way to ask for an update or the latest news.
In a sentence: "We haven’t had lunch in ages—what’s the 411 with your grandkids these days?"
Good News of the Day
Back from the Brink: Tiny Gecko Makes a Big Comeback in the Galápagos
A tiny species of leaf-toed gecko, once thought to be extinct and known only from 5,000-year-old fossils, has been rediscovered thriving on Rábida Island in the Galápagos. Conservationists confirmed the gecko’s return after successful efforts to remove invasive rodents from the island, which allowed native wildlife to rebound.
Live specimens were found in recent field expeditions, and genetic testing confirmed not only the gecko’s identity but also its uniqueness—earning it special conservation significance. This remarkable return highlights how nature can heal when given the right conditions, and serves as a powerful reminder of the impact thoughtful restoration can have.
What was once a mystery buried in the fossil record is now a living, breathing success story of resilience and renewal.
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RetireHub Trivia
Want more trivia? Play our “Nostalgia Trivia Game” on our site! We add fresh questions daily, so there’s always something new to test your knowledge.
Not into trivia? No worries! We’ve got plenty of other fun games to enjoy, like:
What modern-day nation was formerly known as Ceylon? |
In 2021, which global pop star released the album “30,” inspired by personal growth and heartbreak? |
What ancient structure is famous for its perfectly aligned stones and is located in Wiltshire, England? |
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