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Risks
1. Market Risk: Unum Group's investments are subject to market risk. The values of its investments can go up and down, and Unum runs the risk of losing value if the investments are mismanaged or over or undervalued.
2. Interest Rate Risk: Unum Group's investments are subject to fluctuations in interest rates. An increase in interest rates can decrease the value of investments, and this volatility can impact Unum's overall returns.
3. Credit Risk: Unum Group's investments are subject to the risk that the company may not be able to collect payments. Therefore, if they invest in certain securities, they will have to consider the potential for default or a downgrade in quality of investment.
4. Liquidity Risk: Unum Group's investments may not be easily converted to cash. Therefore, if Unum has an emergency and needs to realize funds, it may take some time to do so at a reasonable price.
5. Foreign Currency Risk: Unum Group's investments are subject to foreign exchange fluctuations. As such, movements in currency markets may adversely impact the value of the investments.