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Reality at risk.

it comes to investing, risk is the possibility that you may lose some or all of your investment, or that your investment may not increase in value. Take the stock market for example. After reaching a record high in October 2007, it began an erratic and sometimes dizzying descent, with no clear indication of what the future holds. Where is it headed next and what does that mean for your retirement savings? Not knowing the answer to that question is the concept behind market risk. But did you know that there are other types of risk associated with investing? Here are the key risks retirement plan investors face, along with tips for managing them. It's important to understand the risks associated with investing and to assess your comfort level with risk regularly. Market risk This is the possibility that an investment (e.g., a stock) will decline in value. As a result, if you sold the investment, you would receive less than what you initially paid for it. Credit risk This is the possibility that the issuer of an investment (e.g., a corporate bond) may not live up to its financial obligations. A default by the issuer could mean that you lose your invested capital and the expected interest payments. Inflation risk This is the possibility that the value of a long-term asset you hold (e.g., a money market fund) may not grow enough to keep up with inflation, reducing your purchasing power as a result. International risk This is the possibility that a country's government will suddenly change its policies. Events such as wars, revolutions, embargos and the appointment of officials with unfavorable economic policies can negatively impact the financial markets, especially concerning investments related to that country. Economic risk This is the risk that the economy will suffer a downturn as a whole. Such an event generally affects all the financial markets across the board, from product prices to the job market. Industry risk This is the risk that a specific industry will suffer a downturn. Often, industries related to the one that experiences problems will suffer as well.