Bolder pensioners, desperate to generate higher returns, may take undue risks – for example, investing in junk bonds – that could jeopardize their nest eggs. And, unfortunately, such financial risk-taking may have little impact in terms of spurring corporations to assume more risk by investing.
比如，持续的低利率会损害偏好安全短期投资的传统储蓄者。退休者以及临近退休者面临着利息收入下降的状况，可能进一步削减消费、令经济更加萎靡。较激进的退休者急于获得更高的回报，可能会承担不恰当的风险，比如投资于垃圾债券，这可能影响到他们的退休金数量。此外，不幸的是，这类金融风险承担行为可能不会刺激企业通过投资去承担更多风险。