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What Are The Risks Of A Defined Benefit Plan? In this informative video, we will discuss the various risks associated with defined benefit plans. These plans, which promise specific retirement payments, come with a set of challenges that employers and participants need to be aware of. We will cover critical aspects such as investment risk, where poor market performance can lead to funding shortfalls, and interest rate risk, which impacts the valuation of future payouts based on fluctuating rates. Longevity risk is another factor to consider, as longer life expectancies can increase total costs for the plan.

Furthermore, employer covenant risk is significant, as the financial health of the employer directly affects the security of the plan. We will also touch on regulatory and compliance risk, which can arise from changes in laws and regulations. Operational risk, stemming from mistakes in calculations or data management, is another area that requires attention. Finally, inflation risk can diminish the purchasing power of fixed benefits, necessitating larger reserves.

To address these challenges, we will outline practical strategies that can help manage these risks effectively. By understanding these important factors, employers can take proactive steps to ensure the stability of their defined benefit plans and protect the benefits promised to participants.

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