Certain financial shocks may hurt women’s financial preparedness before and during retirement. Experts say those risks can be mitigated with proper planning.
said they are behind on retirement savings, versus just 35% of men, according to a 2022 Goldman Sachs report.
Caregiving can affect women's ability to save if it takes them out of the workforce. Less work hours may also reduce the amount of Social Security benefits they qualify for in retirement.Women also contend with unique challenges when it comes to retirement planning, such as lower pay, longer life expectancies and more time out of the workforce compared to men.Sitting down with a financial advisor can help identify important questions that should be asked, Haas said.
Examples of such questions include: Do you and your family members have life insurance or long-term care insurance? If you become a caregiver, will you still be able to work? Do you have an emergency fund? Moreover, women may be able to find information on what is available to them from their employer's benefits department, Ettinger suggested.Addressing that will require both women and their families and the financial professionals with whom they work to address tough questions, including who will provide care and how when a loved one gets sick.
"A big retirement curveball is we're not getting there early enough to help people prepare," Ettinger said.
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