THE NO-COMPROMISE RETIREMENT PLAN • 19
do so. Or you can choose security in CDs and money market funds and give up any kind of meaningful growth. But you can’t have growth AND security.
This is often called the “Saver’s Dilemma,” and it’s impacting your IRA today. You have to compromise because of this conflict: give up some growth to get protection; give up some protection to get growth. That compromise means your account is growing slower than it could be, and at the same time, your account is less protected than it should be. This is one of your IRA’s key conflicts, and probably the one that sounds most familiar to you. But there are two other conflicts you need to consider as you head to retirement.
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