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

Healthcare Provider Update: Healthcare Provider for Oshkosh Corporation Oshkosh Corporation typically works with health insurance providers such as Anthem Blue Cross Blue Shield and other local insurance carriers to offer healthcare coverage to its employees. Specific healthcare plan details may vary depending on the employee's location and role within the company, taking into account the healthcare landscape and statutory requirements in those regions. Blog Post Paragraph on Potential Healthcare Cost Increases in 2026 As healthcare costs continue to rise, Oshkosh Corporation employees should prepare for significant increases in their ACA premiums beginning in 2026. With projections indicating that national average premiums could escalate by up to 18%, many states may witness hikes exceeding 60%. The anticipated increase is driven by factors such as the expiration of enhanced federal premium subsidies and ongoing medical inflation, leading to higher out-of-pocket expenses for millions. For employees considering retirement or those enrolled in ACA plans, understanding these shifts will be crucial for effective financial planning and ensuring continued access to affordable healthcare coverage. 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 Oshkosh 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 Oshkosh 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 Oshkosh 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).