Understanding Risk Tolerance: A Guide for Marriott International Employees Navigating Retirement Changes

Healthcare Provider Update: Healthcare Provider for Marriott International: Marriott International's primary healthcare provider offerings for employees are typically administered through various insurers, including but not limited to UnitedHealthcare, Aetna, and Cigna. These providers offer a range of health plans tailored to the needs of Marriott's workforce. Healthcare Cost Increases in 2026: As we approach 2026, healthcare costs are expected to surge significantly, particularly for employees enrolled in Affordable Care Act (ACA) marketplace plans. With projections indicating premium hikes exceeding 60% in some states and the potential loss of enhanced federal subsidies, many Marriott International employees could see their out-of-pocket costs rise dramatically. Industry analysts forecast that without congressional action, over 22 million marketplace enrollees, including a significant number of Marriott employees, may face an increase of more than 75% in their monthly premiums in 2026, exacerbating the financial burden on healthcare consumers. 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 Marriott International 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 Marriott International 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 Marriott International 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).