longevity risk Archives

The Difference Between Saving for Retirement and Designing Retirement Resilience

by Rafael Monteiro
December 26, 2025February 9, 2026

Saving for retirement versus designing retirement resilience are often treated as interchangeable goals. Accumulate enough capital, follow a contribution plan, and the rest should resolve itself. This framing assumes that money alone absorbs uncertainty. It… The Difference Between Saving for Retirement and Designing Retirement Resilience

How Retirement Models Underestimate Inflation, Longevity, and Behavioral Drift

by Rafael Monteiro
December 23, 2025February 9, 2026

Retirement models underestimate inflation, longevity, and behavioral drift not because planners ignore them entirely, but because they flatten them. These forces appear in spreadsheets as variables, not as pressures that compound unevenly across decades. The… How Retirement Models Underestimate Inflation, Longevity, and Behavioral Drift