Retiring Right Before or During a Recession. Debunking "Sequence of Returns Risk" - Canadian Financial Summit 2024
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Retiring Right Before or During a Recession. Debunking "Sequence of Returns Risk" - Canadian Financial Summit 2024
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À propos de cet audio
Bloggers and advisors constantly warn about the "Sequence of Returns Risk"—the fear that retiring right before or during a market crash will drain your savings too quickly.
This fear often leads retirees to make poor investment choices, resulting in:
🚨 Inferior portfolios
📉 Lower returns
❌ A less reliable retirement
But how real is this risk? And do the conventional solutions—like investing in bonds or following the 4% Rule—actually work?
Is it true that "sequence of returns risk" has been debunked for long-term equity investors?
In my latest podcast episode you'll learn
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What is "Sequence of Returns Risk"?
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What solutions are typically recommended?
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What is the actual risk of running out of money with a bad sequence of returns?
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Why don't the typical solutions work?
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How long did it take to recover from the biggest crashes?
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How can you get the maximum reliable retirement income?
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What should you do if your risk tolerance is lower?
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What is "Your Personal Rule" for you to use instead of the "4% Rule"?
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What solution to "Sequence of Returns Risk" actually works?
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What dynamic spending rules are suggested by actuaries & advisors?
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What is Ed's dynamic spending rule?
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How is it customized for you?