---
title: Why Retirees Need to Invest in Stocks
description: What looks like the safest option—putting all your money in cash, bonds, and certificates of deposit—isn't the wisest.
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    former_staff: true
published: '2016-02-19T11:30:42.000Z'
modified: '2020-07-07T10:57:06.000Z'
section: Retirement
tags:
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  - Markets
  - Money
  - retirement income
  - retirement planning
  - stocks
  - Tips from the Pros
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word_count: 134
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type: Article
source: structured-blocks
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> **Disclosure:** We research all brands listed and may earn a fee from our partners. Research and financial considerations may influence how brands are displayed. Not all brands are included. [Learn more](https://money.com/page/disclaimer/).

![retirees invest in stocks](https://img.money.com/2015/12/retirees-invest-in-stocks-e1449699665684.png)

*In this series, [Tips from the Pros](https://money.com/topic/tips-from-the-pros/)*, *Money taps the collective wisdom of expert financial planners.*

When you retire, ideally you're going to be around for a long time. The fear, however, is that we will outlive our savings. Investing can be scary. The market is unpredictable and what if we lose the money we worked so hard to save?

Financial advisers say that it's important to invest in stocks, despite the risk that their value will fluctuate. The money that you are investing is not the money you need right now. It's the money you'll need later. And keeping all your money in bonds increases the risk that your purchasing power will fall victim to inflation.

Featured Advisers:

-   David Mendels [Creative Financial Concepts](https://www.linkedin.com/in/david-mendels-cfp-8494102)
-   Jeffrey Golden [Circle Advisers](http://www.cadvinc.com)
-   Benjamin Sullivan [Palisades Hudson Financial Group](http://www.palisadeshudson.com)

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