Most doctors’ greatest fear is running out of money in retirement. Yet, poor investment decisions could cause you to do just that. Here are the most common problems that can have a devastating impact on your financial security in retirement, and how to avoid them.

The Problem

Research by Dalbar, Inc., a company that studies investor behavior and analyzes investor actual market returns, consistently shows that the average investor earns below-market returns. And by a lot too! For the 20 years ending December 31, 2014, the S&P 500 Index earned an average of 9.85% per year. That’s a pretty attractive return. Meanwhile, the average equity fund investor earned a return of...