{"id":36266,"date":"2025-10-16T00:00:53","date_gmt":"2025-10-16T07:00:53","guid":{"rendered":"https:\/\/rizecu.com\/?p=36266"},"modified":"2025-10-17T08:20:55","modified_gmt":"2025-10-17T15:20:55","slug":"eight-retirement-mistakes","status":"publish","type":"post","link":"https:\/\/rizecu.com\/es\/article\/eight-retirement-mistakes\/","title":{"rendered":"Eight mistakes that can upend your retirement"},"content":{"rendered":"
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Planning for retirement is about more than numbers on a page \u2013 it\u2019s about avoiding pitfalls that can set you back. Our partners at Rize Wealth<\/a> are sharing eight common mistakes that can derail your retirement goals, along with strategies to help keep you on track.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Pursuing your retirement dreams is challenging enough without making some common, and very avoidable, mistakes. Here are eight big mistakes to steer clear of, if possible.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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\n\t\t\t\t\t\t\n\t\t\t\t\t\t\tNo strategy\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t

\n\t\t\t\t\t\tYes, the biggest mistake is having no strategy at all. Without a strategy, you may have no goals, leaving you no way of knowing how you\u2019ll get there \u2013 and if you\u2019ve even arrived. Creating a strategy may increase your potential for success, both before and after retirement.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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\n\t\t\t\t\t\t\n\t\t\t\t\t\t\tFrequent trading\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t

\n\t\t\t\t\t\tChasing \u201chot\u201d investments often leads to despair. Create an asset allocation strategy that\u2019s properly diversified to reflect your objectives, risk tolerance, and time horizon; then make adjustments based on changes in your personal situation, not due to market ups and downs.\u00b9\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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\n\t\t\t\t\t\t\n\t\t\t\t\t\t\tNot maximizing tax-deferred savings\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t

\n\t\t\t\t\t\tWorkers have tax-advantaged ways to save for retirement. Not participating in your employer\u2019s 401(k) may be a mistake, especially when you\u2019re passing up free money in the form of employer-matching contributions.\u00b2\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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\n\t\t\t\t\t\t\n\t\t\t\t\t\t\tPrioritizing college funding over retirement\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t

\n\t\t\t\t\t\tYour kids\u2019 college education is important, but you may not want to sacrifice your retirement for it. Remember, you can get loans and grants for college, but you can\u2019t for your retirement.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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\n\t\t\t\t\t\t\n\t\t\t\t\t\t\tOverlooking healthcare costs\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t

\n\t\t\t\t\t\tExtended care may be an expense that can undermine your financial strategy for retirement if you don\u2019t prepare for it.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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\n\t\t\t\t\t\t\n\t\t\t\t\t\t\tNot adjusting your investment approach well before retirement\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t

\n\t\t\t\t\t\tThe last thing your retirement portfolio can afford is a sharp fall in stock prices and a sustained bear market at the moment you\u2019re ready to stop working. Consider adjusting your asset allocation in advance of tapping your savings so you\u2019re not selling stocks when prices are depressed.\u00b3\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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\n\t\t\t\t\t\t\n\t\t\t\t\t\t\tRetiring with too much debt\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t

\n\t\t\t\t\t\tIf too much debt is bad when you\u2019re making money, it can be deadly when you\u2019re living in retirement. Consider managing or reducing your debt level before you retire.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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\n\t\t\t\t\t\t\n\t\t\t\t\t\t\tIt\u2019s not only about money\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t

\n\t\t\t\t\t\tAbove all, a rewarding retirement requires good health, so maintain a healthy diet, exercise regularly, stay socially involved, and remain intellectually active.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Ready to fine-tune your retirement strategy?<\/span>
A Rize Wealth advisor can help you create a plan that brings all the pieces together \u2013 from investments to withdrawals and everything in between. Connect with us today to schedule your personalized consultation.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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\n\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tPrograma una cita<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tContacta a nuestro equipo de Administraci\u00f3n de patrimonio<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\u00b9The return and principal value of stock prices will fluctuate as market conditions change. And shares, when sold, may be worth more or less than their original cost. Asset allocation and diversification are approaches to help manage investment risk. Asset allocation and diversification do not guarantee against investment loss. Past performance does not guarantee future results. \u00b2Under the SECURE Act, in most circumstances, you must begin taking required minimum distributions from your 401(k) or other defined contribution plan in the year you turn 73. Withdrawals from your 401(k) or other defined contribution plans are taxed as ordinary income, and if taken before age 59\u00bd, may be subject to a 10% federal income tax penalty. \u00b3The return and principal value of stock prices will fluctuate as market conditions change. And shares, when sold, may be worth more or less than their original cost. Asset allocation is an approach to help manage investment risk. Asset allocation does not guarantee investment loss. Past performance does not guarantee future results. The content is developed from sources believed to provide accurate information. The information in this material is not intended as tax or legal advice. It may not be used for the purpose of avoiding any federal tax penalties. Please consult legal or tax professionals for specific information regarding your individual situation. This material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named broker-dealer, state- or SEC-registered investment advisory firm. The opinions expressed and material provided are for general information and should not be considered a solicitation for the purchase or sale of any security. Copyright FMG Suite.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Los profesionales financieros asociados con LPL Financial pueden discutir y\/o realizar transacciones comerciales solo con residentes de los estados en los que est\u00e1n debidamente registrados o autorizados con licencia. No se pueden realizar ni aceptar ofertas de residentes de ning\u00fan otro estado. Los valores son ofrecidos a trav\u00e9s de LPL Financial (LPL), un corredor de bolsa registrado (miembro de FINRA<\/a>\/SIPC<\/a>).<\/strong>Los productos de seguros son ofrecidos a trav\u00e9s de LPL o sus afiliados autorizados con licencia. El asesoramiento de inversiones es ofrecido a trav\u00e9s de Global Retirement Partners (GRP), un asesor de inversiones registrado y una entidad independiente de LPL Financial. Rize Federal Credit Union (Rize CU) y Rize Wealth no est\u00e1n<\/span><\/strong> registrados como corredores de bolsa ni asesores de inversi\u00f3n. Los representantes registrados de LPL ofrecen productos y servicios a trav\u00e9s de Rize Wealth y tambi\u00e9n pueden ser empleados de Rize CU. Estos productos y servicios son ofrecidos a trav\u00e9s de LPL o sus afiliados, los cuales son entidades separadas y no afiliadas a Rize CU o Rize Wealth. Los valores y seguros ofrecidos a trav\u00e9s de LPL o sus afiliados son:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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No asegurados por la NCUA o cualquier otra agencia gubernamental<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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No Credit Union guarantee<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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No son obligaciones o dep\u00f3sitos de la Credit Union<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Pueden perder valor<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Rize Federal Credit Union (Rize CU) proporciona referencias a profesionales financieros de LPL Financial LLC (LPL) de conformidad con un acuerdo que permite a LPL pagar a Rize CU por estas referencias. Esto crea un incentivo para que Rize CU haga estas referencias, lo que resulta en un conflicto de intereses. Rize CU no es un cliente actual de LPL para servicios de asesoramiento. Por favor, visita lpl.com<\/a>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"

Planning for retirement is about more than numbers on a page \u2013 it\u2019s about avoiding pitfalls that can set you back. Our partners at Rize Wealth are sharing eight common mistakes that can derail your retirement goals, along with strategies to help keep you on track. Pursuing your retirement dreams is challenging enough without making […]<\/p>\n","protected":false},"author":5,"featured_media":36267,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[17,163],"tags":[],"class_list":["post-36266","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-personal-finance","category-rize-wealth"],"acf":[],"yoast_head":"\nEight mistakes that can upend your retirement | Rize Credit Union<\/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:\/\/rizecu.com\/es\/article\/eight-retirement-mistakes\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Eight mistakes that can upend your retirement | Rize Credit Union\" \/>\n<meta property=\"og:description\" content=\"Planning for retirement is about more than numbers on a page \u2013 it\u2019s about avoiding pitfalls that can set you back. 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