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The biggest risk retirees face is outliving their assets – spending too much or saving too little for their golden years, which are potentially a lot longer than many might expect.

According to a new report from Wells Fargo Investment Institute, citing government data, the average life expectancy for a 65-year-old man today is 84.3 years and for a 65-year-old woman 86.6 years, and those numbers are expected to grow. By 2030, nearly one in five U.S. residents is expected to be 65 or older, according to the report Living Longer, Living Better.

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