Understanding Risk Tolerance: A Guide for Crown Holdings Employees Navigating Retirement Changes

Healthcare Provider Update: Healthcare Provider for Crown Holdings Crown Holdings does not directly provide its own health insurance. Instead, it offers health insurance coverage to its employees through major national insurers such as UnitedHealthcare and Anthem Blue Cross Blue Shield, which are likely candidates given their prominence in corporate healthcare plans. Brief Overview of Potential Healthcare Cost Increases in 2026 As we approach 2026, Crown Holdings faces challenges with rising healthcare costs. Estimated health insurance premiums for plans under the Affordable Care Act (ACA) are projected to surge, with some states experiencing hikes exceeding 60%. This dramatic increase, coupled with the potential expiration of enhanced federal premium subsidies, could lead to out-of-pocket costs skyrocketing for about 92% of marketplace enrollees, including those associated with Crown Holdings. Employees are encouraged to review their benefit options early and strategize to mitigate impending financial pressures in light of these escalating costs. 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 Crown Holdings 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 Crown Holdings 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 Crown Holdings 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).