Pure Benchmarks · Retirement
Scared You Won't Have Enough for Retirement?
Retirement anxiety is the most documented and most costly behavioral pattern in retail investing. A 2021 study published in the Journal of Finance found investors with access to objective peer comparison data demonstrated measurably reduced panic selling during market downturns because knowing where you actually stand replaces fear with context. Pure Benchmarks is the first platform to provide that context using real verified data — placing every connected portfolio into one of nine standardized risk categories and ranking it against real investors at the same life stage so you can see exactly whether your fear is justified or whether the data says you are doing better than you think.
Why retirement fear without data produces worse outcomes
Fear without a reference point drives the exact behavior — selling at the wrong moment — that widens the gap DALBAR measures every year.
What the Journal of Finance found about peer data and behavioral improvement
A 2021 Journal of Finance study found that investors given objective peer comparison data reduced panic selling during downturns, because context replaces fear.
What Pure Benchmarks shows you that nothing else can
Pure Benchmarks ranks your connected portfolio against real verified investors at the same life stage in the same risk category — the measuring stick that has always been missing.
How Hetty answers your specific retirement questions
Hetty answers your personal follow-ups from your real data: where you stand, what is driving it, and how your allocation compares to peers.
Your current platform won't show you how your portfolio ranks against real investors in the same risk category. Create your secure Pure Benchmarks account and see exactly where you stand.
See Your Free Benchmark ReportFrequently asked questions
What should I do about retirement anxiety?
Start with data. Pure Benchmarks shows whether your fear is justified by ranking your portfolio against real peers at the same life stage.
How do I know if my retirement anxiety is justified?
Seeing your ranking against real verified investors in your risk category replaces guesswork with an objective position.
Is Pure Benchmarks a retirement planning tool?
It is a data-driven benchmarking platform that shows where you stand against real peers. It provides an information baseline for comparison, not personalized advice.
What is the 4 percent rule in retirement?
The 4 percent rule is a rule of thumb that withdrawing about 4 percent of a portfolio in the first year of retirement, adjusted for inflation after that, historically lasted about 30 years. Pure Benchmarks does not apply a rule of thumb — it prices your real withdrawal amount against your actual holdings over real historical periods.
How do I know if I can retire at 60?
Pure Benchmarks models the withdrawals you would need against your real connected holdings over historical market periods and shows the outcomes, including the periods where it would not have worked. It provides data and makes no recommendation about when to retire.
Am I on track for retirement?
Pure Benchmarks answers it with data instead of reassurance, ranking your retirement portfolio against thousands of verified investor portfolios in the same standardized risk category and pricing your required withdrawals against your real holdings over historical periods.
Keep exploring
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- Am I On Track for Retirement?
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- Is Your Financial Advisor Doing a Good Job?
See how retirement portfolios at a specific firm rank against real peers:
New here? Read the portfolio benchmarking FAQ or the Pure Benchmarks blog.
This page is an information baseline for comparison only. It is not investment advice and not a recommendation to buy, sell, replace, or transfer any specific asset, account, or firm. Past performance does not guarantee future results. All figures shown are illustrative.