Understanding Risk Tolerance: A Guide for Dollar General Employees Navigating Retirement Changes

Healthcare Provider Update: Healthcare Provider for Dollar General Dollar General employees typically access healthcare coverage through UnitedHealthcare, which is their primary health insurance provider. This partnership offers a range of health plans that cater to the diverse needs of their workforce, including preventive care, emergency services, and other essential health benefits. Potential Healthcare Cost Increases in 2026 As we approach 2026, Dollar General employees and retirees may face significant increases in healthcare costs due to projected hikes in Affordable Care Act (ACA) premium rates. Anticipated increases could exceed 60% in some states, primarily driven by the potential expiration of enhanced federal subsidies, rising medical expenses, and aggressive rate requests from major insurers like UnitedHealthcare. Without renewed legislation to extend these subsidies, a staggering 92% of marketplace enrollees could see their out-of-pocket premiums jump by over 75%, drastically impacting their financial health and access to affordable care as they navigate this changing landscape. 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 Dollar General 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 Dollar General 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 Dollar General employees in deciding which individual investments are appropriate for them, as well as how their investment dollars should be allocated among different investment classes.

Articles you may find interesting:

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).