In this episode, we dive into an important question for anyone with a 403(b): Can it lose value? Spoiler alert—yes, it can. Just like other retirement plans, a 403(b) can be affected by market ups and downs. We’ll break down how different types of investments within your 403(b)—like stock-based mutual funds, bond funds, target-date funds, and variable annuities—play a role in how much risk your retirement savings are exposed to. Learn what factors contribute to potential losses, why market fluctuations matter, and how understanding these risks can help you make more informed decisions for your financial future. Whether you’re just starting your 403(b) journey or reevaluating your investment strategy, this episode is packed with insights to help you stay prepared for whatever the market brings.

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