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

Healthcare Provider Update: Healthcare Provider for ManpowerGroup ManpowerGroup typically offers employer-sponsored health insurance plans to its employees. The specific healthcare providers can vary depending on the region and the plans chosen by the company, but large insurers like UnitedHealthcare, Anthem, and Cigna are common choices. Potential Healthcare Cost Increases in 2026 As we look towards 2026, ManpowerGroup employees may encounter significant healthcare cost increases. Premiums for marketplace plans under the Affordable Care Act are projected to rise sharply, with some states seeing hikes over 60%. This surge can be attributed to escalating medical costs, the potential expiration of enhanced federal subsidies, and aggressive rate requests from insurers. As a result, many employees could face out-of-pocket premium increases of over 75%, necessitating careful planning and consideration of benefit options to mitigate future expenses. Adjustments in employer-sponsored plans are likely to shift more healthcare costs onto employees, further compounding these financial pressures. 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 ManpowerGroup 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 ManpowerGroup 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 ManpowerGroup 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).