The Long View The Biggest Risk Investors Face Today
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Aug 18, 2025 
Christine Benz, Morningstar’s director of personal finance and retirement planning, dives into the current investment landscape. She discusses the risks of complacency in the stock market and emphasizes strategic diversification, especially into international stocks. Benz advocates for mutual funds and ETFs for simplified investing as we age. As emotional investing can cloud judgement, she suggests annual portfolio reviews. The conversation also touches on aligning investment strategies with personal goals for a successful retirement.
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Keep Individual Stocks Small And Unique
- If you hold individual stocks, research them thoroughly and avoid duplicating large-cap exposures.
- Use your long time horizon as an advantage and be patient with well-researched picks.
Augment Dividend Stocks With Safer Assets
- Use dividend-growth strategies for stability but supplement them with bonds and cash.
- Keep some non-dividend growth exposure to capture high-performing sectors like large-cap tech.
Perceived Tolerance Can Mislead Older Investors
- Older investors may feel more risk tolerant but actually have less capacity to absorb losses.
- Prepare mentally and reposition by adding safer assets before a downturn hits.
