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

Healthcare Provider Update: Healthcare Provider for Autodesk Autodesk primarily offers healthcare benefits to its employees through various insurance providers. The specific providers can vary based on location and employee choice, but notable insurers often include UnitedHealthcare, Anthem Blue Cross Blue Shield, and Kaiser Permanente. These companies typically provide a spectrum of health plans including but not limited to HMO, PPO, and high-deductible plans that align with the company's wellness initiatives and employee health needs. Potential Healthcare Cost Increases in 2026 Healthcare costs are projected to rise significantly for Autodesk employees in 2026, largely influenced by steep increases in Affordable Care Act (ACA) premiums. As various states anticipate rate hikes that could exceed 60%, the expiration of enhanced federal subsidies could further exacerbate this situation, leading to average premium increases of more than 75% for many enrollees. Coupled with ongoing inflationary pressures in the healthcare industry-such as rising costs for medical services and high-priced pharmaceuticals-these factors are likely to result in a financially challenging landscape for employees as they navigate their health insurance options. Strategic planning will be vital for employees to manage these rising costs effectively. 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 Autodesk 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 Autodesk 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 Autodesk 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).