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Workers in countries like Belgium, Canada, Germany, France and Italy receive, on average, about 65 percent of their income replaced by mandatory pensions. In the Netherlands the ratio of benefits to lifetime average earnings is abut 97 percent, according to a 2017 Organization for Economic Cooperation and Development report. The OECD says the comparable U.S. replacement rate from Social Security benefits is about 50 percent. U.S. retirees had watched their private accounts mushroom during a bull stock market that began in early 2009. Meanwhile, the Federal Reserve kept interest rates near zero for years, enticing retirees deeper into stocks than previous generations as investments like certificates of deposit, government bonds and money-market funds generated paltry income personalized wedding cufflinks india.

At the end of 2016, 69 percent of investors in their 60s had at least 40 percent of their 401(k) portfolio invested in stocks, up from 65 percent in 2007, according to the Employee Benefit Research Institute in Washington personalized wedding cufflinks india. Still, fewer have gone all in on stocks in recent years. Just 19 percent had more than 80 percent of their 401(k) invested in stocks in 2016, down from 30 percent at year-end 2007, according to nonprofit research group EBRI. “Nothing has gone wrong, but it seems the market is trying to figure out what could go wrong,” said Brooke McMurray, a 69-year-old New York retiree who says she became a finiancial news junkie after the 2007-2009 financial crisis..

“Unlike before, I now know what I own and I constantly read up on my companies,” she said. The three major U.S. stock indexes have tumbled about 10 percent this month, weighed by investor worries including U.S.-China trade tensions, a cooling economy and rising interest rates, and are on track for their worst December since 1931 personalized wedding cufflinks india. The S&P 500 is headed for its worst annual performance since 2008, when Wall Street buckled during the subprime mortgage crisis. But some are not quite ready to draw comparisons..

“We had lousy forecasts in 2008. The housing market was in a tailspin,” said 76-year-old John Bauer, who worked for McDonnell Douglas and Boeing Co for 36 years in St. Louis. “Today, employment is way up. The housing market is steady and corporations are flush.”. Still, Bauer said he is uneasy about White House leadership. He and several other retirees referenced U.S. Treasury Secretary Steve Mnuchin’s recent calls to top bankers, which did more to rattle than assure markets. U.S. stocks tumbled more than 2 percent the day before the Christmas holiday personalized wedding cufflinks india.

Nevertheless, Bauer is prepared to ride out any market turmoil without making dramatic moves to his retirement portfolio. “When it’s up, I watch it. When it’s down, I don’t,” he said. And there are some factors helping take the sting out of the market rout, said Larry Glazer, managing partner of Boston-based Mayflower Advisors LLC. “Retirees are sensitive to energy prices,” Glazer said. “We saw a big decline before the holidays. That’s good for the broad economy and there’s nothing more psychologically supportive than cheap energy prices.” personalized wedding cufflinks india.