F&G's Fifth Annual Risk Tolerance Tracker Finds Inflation, U.S. Presidential Election and Cyberfraud Top of Mind for American Investors
F&G's fifth annual Risk Tolerance Tracker reveals American investors' top concerns for their financial future. Inflation remains the primary worry at 80%, followed by the U.S. presidential election (72%) and recession fears (72%). Other significant concerns include cybercrime/fraud (63%) and geopolitical risks (61%).
The survey shows a slight improvement in risk tolerance, with 73% of respondents less likely to take financial risks, down from 78% in previous years. However, 66% still worry about retirement income. Generational differences are evident, with Baby Boomers most concerned about the election's impact (79%) and GenX about recession (76%).
Despite these concerns, 58% of respondents don't use a financial professional, and only 14% own an annuity. F&G CEO Chris Blunt emphasizes the importance of proactive planning and leveraging advisors for long-term financial security.
Il quinto Rapporto annuale sulla Tolleranza al Rischio di F&G rivela le principali preoccupazioni degli investitori americani per il loro futuro finanziario. L'inflazione rimane la preoccupazione principale con l'80%, seguita dalle elezioni presidenziali statunitensi (72%) e dalle paure di recessione (72%). Altre preoccupazioni significative includono la criminalità informatica/frode (63%) e i rischi geopolitici (61%).
Il sondaggio mostra un leggero miglioramento nella tolleranza al rischio, con il 73% degli intervistati meno propenso a prendere rischi finanziari, in calo rispetto al 78% degli anni precedenti. Tuttavia, il 66% è ancora preoccupato per il reddito da pensione. Le differenze generazionali sono evidenti, con i Baby Boomer maggiormente preoccupati per l'impatto delle elezioni (79%) e la GenX per la recessione (76%).
Nonostante queste preoccupazioni, il 58% degli intervistati non utilizza un professionista finanziario e solo il 14% possiede un rendita. Il CEO di F&G, Chris Blunt, sottolinea l'importanza di una pianificazione proattiva e di sfruttare gli consulenti per una sicurezza finanziaria a lungo termine.
El quinto Informe Anual sobre la Tolerancia al Riesgo de F&G revela las principales preocupaciones de los inversores estadounidenses respecto a su futuro financiero. La inflación sigue siendo la principal preocupación con un 80%, seguida de las elecciones presidenciales de EE.UU. (72%) y de los temores de recesión (72%). Otras preocupaciones significativas incluyen el cibercrimen/fraude (63%) y los riesgos geopolíticos (61%).
La encuesta muestra una ligera mejora en la tolerancia al riesgo, con el 73% de los encuestados menos propensos a asumir riesgos financieros, frente al 78% de años anteriores. Sin embargo, el 66% todavía se preocupa por los ingresos de jubilación. Las diferencias generacionales son evidentes, con los Baby Boomers más preocupados por el impacto de las elecciones (79%) y la GenX por la recesión (76%).
A pesar de estas preocupaciones, el 58% de los encuestados no utiliza un profesional financiero y solo el 14% posee una anualidad. El CEO de F&G, Chris Blunt, enfatiza la importancia de la planificación proactiva y de aprovechar a los asesores para la seguridad financiera a largo plazo.
F&G의 다섯 번째 연례 위험 수용성 추적 보고서는 미국 투자자들의 가장 큰 우려 사항을 보여줍니다. 인플레이션이 80%로 가장 큰 걱정거리이며, 그 다음으로는 미국 대통령 선거 (72%)와 불황에 대한 우려 (72%)가 있습니다. 기타 주요 우려 사항으로는 사이버 범죄/사기 (63%)와 지정학적 위험 (61%)이 포함됩니다.
조사 결과 위험 수용성이 약간 개선되어, 응답자의 73%가 재정 리스크를 감수할 가능성이 낮아진 것으로 나타났으며, 이는 이전 년도의 78%에서 감소한 수치입니다. 그러나 66%는 여전히 은퇴 후 수입에 대해 걱정하고 있습니다. 세대 간 차이도 뚜렷하며, 베이비 붐 세대는 선거의 영향에 대해 가장 많이 걱정하고 (79%), X세대는 불황에 대한 우려가 (76%) 큽니다.
이러한 우려에도 불구하고, 응답자의 58%는 재정 전문가를 이용하지 않습니다 그리고 단 14%만이 연금 상품을 보유하고 있습니다. F&G의 CEO인 Chris Blunt는 장기적인 재정 안정을 위해 사전 계획과 전문가 활용이 중요하다고 강조합니다.
Le cinquième Rapport annuel sur la Tolérance au Risque de F&G révèle les principales préoccupations des investisseurs américains concernant leur avenir financier. L'inflation reste le principal souci avec 80%, suivie par les élections présidentielles américaines (72%) et les craintes de récession (72%). D'autres préoccupations significatives incluent la cybercriminalité/fraude (63%) et les risques géopolitiques (61%).
L'enquête montre une légère amélioration de la tolérance au risque, 73% des répondants étant moins enclins à prendre des risques financiers, contre 78% les années précédentes. Cependant, 66% s'inquiètent encore des revenus de retraite. Les différences générationnelles sont évidentes, les Baby Boomers étant plus préoccupés par l'impact des élections (79%) et la génération X par la récession (76%).
Malgré ces préoccupations, 58% des répondants n'utilisent pas de professionnel financier et seulement 14% possèdent une rente. Le PDG de F&G, Chris Blunt, souligne l'importance d'une planification proactive et de l'exploitation des conseillers pour une sécurité financière à long terme.
Der fünfte Jahresbericht zur Risikotoleranz von F&G zeigt die wichtigsten Bedenken der amerikanischen Investoren für ihre finanzielle Zukunft. Die Inflation bleibt mit 80% die größte Sorge, gefolgt von den US-Präsidentschaftswahlen (72%) und Rezessionsängsten (72%). Weitere bedeutende Bedenken sind Cyberkriminalität/Betrug (63%) und geopolitische Risiken (61%).
Die Umfrage zeigt eine leichte Verbesserung in der Risikotoleranz, da 73% der Befragten weniger wahrscheinlich finanzielle Risiken eingehen, was gegenüber 78% in den vorherigen Jahren einen Rückgang bedeutet. Dennoch machen sich 66% weiterhin Sorgen um das Ruhestandseinkommen. Generationenunterschiede sind offensichtlich, wobei die Baby-Boomer am meisten besorgt über die Auswirkungen der Wahlen sind (79%) und die GenX über die Rezession (76%).
Trotz dieser Sorgen nutzen 58% der Befragten keinen Finanzprofi und nur 14% besitzen eine Rente. Der CEO von F&G, Chris Blunt, betont die Bedeutung proaktiver Planung und die Nutzung von Beratern für finanzielle Sicherheit auf lange Sicht.
- Slight improvement in risk tolerance, with 73% less likely to take financial risks compared to 78% in previous years
- 88% of respondents consider guaranteed income for life as important for retirement planning
- 91% of respondents prioritize maximizing accumulated income for retirement
- 80% of respondents worried about inflation's negative impact on their financial future
- 72% concerned about the U.S. presidential election's effect on finances
- 72% worried about a potential recession
- 66% concerned about retirement income due to recent events
- 58% of respondents don't use a financial professional
- Only 14% of respondents own an annuity
Inflation continues to rank as the top stressor, with
Worries about a recession are also top of mind at
Americans' Risk Tolerance Over Time
When it comes to how American investors see overall risk tolerance and the mindset around their financial future, there are some signs of improvement, although many fears remain.
73% of respondents say the events of the last 12 months made them less likely to take financial risks. This is down from the past two years when78% of respondents said they had become more financially risk averse.- Worries about retirement income still persist as
66% are worried about retirement income due to the events of the last 12 months, down only3% from 2023. - Fewer people (
53% ) feel like their financial safety net was ripped away as a result of the past 12 months compared to60% in 2023 and67% in 2022.
The Generational Risk Gap
When it comes to how different generations view risk, Baby Boomers are the most worried about the
Meanwhile, GenX respondents are most worried about the
All generations continue to cite inflation as the top worry that may affect their financial future.
Despite this, well over half (
The Opportunity for Guaranteed Income Products
In addition to overlooking advice, American investors are also overlooking guaranteed income products as a way to hedge these unpredictable times as only
When asked about how important various factors were when considering their investments for retirement income,2
"Our fifth annual survey shows that while risk tolerance is modestly increasing, uncertain economic factors continue to weigh on the minds of American investors," said Chris Blunt, CEO of F&G. "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."
For more information on F&G's latest survey, please visit fglife.com/research
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
About F&G
F&G Annuities & Life, Inc. is committed to helping Americans turn their aspirations into reality. F&G is a leading provider of insurance solutions serving retail annuity and life customers and institutional clients and is headquartered in
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1 Survey fielded among a nationally representative sample of 1,678
2 This question fielded among adults ages 45+
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SOURCE F&G Annuities & Life, Inc.
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