Investment risk can take many forms. Unrecoverable principal loss is the risk most private investors fear (which proper diversification can all but eliminate). For financial professionals risk is usually defined as the standard deviation of returns. But another way of thinking about risk is the likelihood that investments fail to achieve the intended purpose for the assets.

• Approximately 40% of 65 year old individuals will live to 90

• Married couples who are 65 years old have a 63% chance that one spouse
will live to 90

Certain market sectors, such as value stocks and smaller companies, tend to provide higher returns over time.

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