According to a survey by the Society of Actuaries of 1,600 retired or close-to-retirement investors 45-80, just 35% said they have a detailed retirement road map designed to manage the risk of running out of money. That incidence is virtually unchanged since 2005. Meanwhile, 57% of retirees said they have a risk management strategy in place, up from 44% in 2005. The survey found that too few Americans took all the factors of retirement into consideration according to a report in Investment News.