Understanding Risk Tolerance: A Guide for Ametek Employees Navigating Retirement Changes

Healthcare Provider Update: Ametek's Healthcare Provider and Insights on 2026 Cost Increases Ametek utilizes various healthcare providers for its employee benefits, with notable participation in the Affordable Care Act (ACA) marketplace for health insurance. In 2026, Ametek employees may experience significant increases in healthcare costs due to a projected sharp rise in ACA premiums, with average rate hikes forecasted to hover around 20%. The combination of expiring federal premium subsidies and soaring medical expenses-partly driven by inflationary pressures on healthcare services-could lead to shocking out-of-pocket costs, with some policyholders facing premium increases of over 75%. As employees weigh their options, it is crucial to assess both employer-sponsored plans and ACA alternatives early to mitigate financial impacts. Click here to learn more

The world of investing is very subjective--the investment plan that’s right for you depends largely upon the level of comfort that you have when it comes to risk. We'd like our clients from Ametek to remember that you can’t completely avoid risk when it comes to investing, but it's possible for you to manage it.

There are two aspects of risk tolerance for Ametek employees to consider: (1) the capacity of your investment plan itself to absorb losses, and (2) how comfortable you are personally with risk. The first aspect can be quantified--the more flexibility your investment plan has when it comes to potential loss, the more risk your plan can tolerate. For example, as we’ve discussed, a long investment time horizon may allow you to take on more risk than a short time horizon.

'You can’t completely avoid risk when it comes to investing, but it is possible for you to manage it..'

The second aspect, how comfortable you are personally with risk, is more of an emotional measure, and depends on many factors, including your objectives, life stage, personality, and investment experience. Some investors are comfortable with a high degree of risk, while others can tolerate only minimal risk. Individual risk tolerance is an important factor for Ametek employees in deciding which individual investments are appropriate for them, as well as how their investment dollars should be allocated among different investment classes.

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Investors are typically grouped into three categories for purposes of discussing risk tolerance: aggressive (those who have a high degree of risk tolerance); moderate (those willing to accept some degree of risk), and conservative (those who are risk averse).