Risk Tolerance Tracker
Inflation, political climate top of mind for American investors
The fifth annual Risk Tolerance Tracker asked investors how the events of 2024 have impacted their views on their retirement and risk. Compared to previous years, respondents report an overall improvement in mindset about their financial future and increased risk tolerance.
However, investors are keeping a close eye on how the economy and the U.S. political climate may impact their retirement plans.
Plenty of concerns to go around
Despite an overall more optimistic outlook, Americans report concerns over how inflation, recession and the U.S. political climate may impact their finances.
Inflation
80%
2024 U.S. presidential election
72%
U.S. entering a recession
72%
Cybercrime/fraud
63%
Geopolitical risks/tensions
61%
Different generations, similar worries
U.S. investors of different generations shared similar concerns regarding their financial future.
Inflation
U.S. entering a recession
2024 U.S. presidential election
Millennials
Generation X
Baby Boomers
Seeking investments that promote stability
To help reduce these worries, American investors are looking for investments that will foster stability in unpredictable times.
When considering investments for retirement income, respondents1 prioritize:
Maximizing accumulated income
Having guaranteed income for life
Protecting against inflation
14%Only 14% of investors own an annuity, a guaranteed-income financial product which can help address retirement income concerns.
A financial professional can help
Despite their worries, the majority (58%) of investors are not working with a financial professional who can help them navigate their retirement options.
% of respondents who are not working with a financial professional
Our fifth annual survey shows that while risk tolerance is modestly increasing, uncertain economic factors continue to weigh on the minds of American investors. Yet at the same time, many investors are not taking advantage of the tools they need to plan for the long term, such as leveraging an advisor and building a balanced portfolio that includes guaranteed income products. Being proactive now can give investors more peace of mind in the months and years to come.”
Chris Blunt - CEO of F&G
Talking with a financial and insurance professional can help you turn your retirement aspirations into reality.
Explore More Details About the Risk Tolerance Tracker
1This question fielded among adults ages 45+
Survey Methodology
The survey was conducted online by ROI Rocket, a MarketOnce company and an industry leader in consumer and B2B research. It was fielded from August 22 to September 9, 2024 among a nationally representative sample of 1,678 U.S. adults 30 years of age and older who have sole or shared financial decision-making responsibility for their household, and own financial products valued at $10,000 or more.
“F&G” is the marketing name for Fidelity & Guaranty Life Insurance Company issuing insurance in the United States outside of New York. Life insurance and annuities issued by Fidelity & Guaranty Life Insurance Company, Des Moines, IA.
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