Blog | Dunham

Retirement 11/25/2025

The Student Loan Trap That’s Stealing Retirement: Why Debt Is Following Americans Into Their Golden Years

Student loan debt is soaring among older Americans, with 60+ borrowers owing $147B. Learn why loans now follow people into retirement and how to ma...

Retirement 8/12/2025

Applying the Retirement Real Return Rule to Real-World Planning

Inflation and withdrawal rates can quietly drain retirement portfolios. See how the Retirement Real Return Rule applies in real-world scenarios—and...

Retirement 8/5/2025

The Retirement Real Return Rule: Why “Conservative” Planning May Be Failing Retirees

Discover the Retirement Real Return Rule™ — a new benchmark for long-term portfolio sustainability. Learn how maintaining a 4–5% return above infla...

Retirement 6/24/2025

The Longevity-Inflation Trap: Why Conservative Retirement Portfolios May Fail

In this seventh installment, we unveil the Longevity-Inflation Impact and Target Sustainability Rate™—two concepts revealing why "safe" retirement ...

Retirement 6/17/2025

Multi-Generation Retirement™: Why One Nest Egg May Need to Support Three Generations

Longer lifespans are reshaping retirement. This article introduces Multi-Generation Retirement™—a rising challenge where one portfolio may need to ...

Inflation 6/10/2025

The Overlooked Threat to Retirement: Understanding the Sequence of Inflation Risk

Retirees are living longer, and inflation's timing—not just its average—can make or break a portfolio. This article explores the overlooked threat ...

Retirement 6/3/2025

The Retirement Investment Paradox™ Explained: The Hidden Risk in Modern Portfolios

Retirees today face a new dilemma: the Retirement Investment Paradox™. Advisors must balance growth to outpace inflation and longevity with portfol...

Retirement 3/25/2025

Inflation, Food, and 50-Year Retirements: What Planners Should Know

Even at the Fed’s 2% inflation target, retirees living 30–50 years post-retirement may see their purchasing power erode dramatically. Our latest re...

Retirement 3/4/2025

How Science Is Extending Healthspan and Lifespan: What It Means for Retirees

The FDA’s approval of Loyal’s longevity drug for dogs marks a breakthrough in aging science. As we extend both lifespan and healthspan in animals, ...

White Paper 2/18/2025

Is a New Retirement Crisis Ahead? Dunham’s White Paper Explores Longevity, Inflation, and Future Planning

Is traditional retirement planning failing retirees? With lifespans extending beyond 100 and inflation eroding purchasing power, portfolios could d...

Retirement 1/7/2025

Gen X and Retirement: Why They’re Unprepared — and How Advisors Can Help

Generation X faces a retirement crisis, with typical savings at just $40,000 and fears of Social Security cuts looming. Debt burdens, low confidenc...