Five factors are largely responsible for building retirement plans that are able to address the myriad risks investors face, a report released Monday by the Insured Retirement Institute found.

The report is based on analysis by Peng Chen, president of Morningstar’s global investment management division, and appeared in the August edition of IRI’s monthly newsletter, Insight. The two biggest risks investors face, according to the report, are longevity risk and market risk.

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