• Retiring Right Before or During a Recession. Debunking “Sequence of Returns Risk” - Canadian Financial Summit 2024

  • Feb 20 2025
  • Length: 24 mins
  • Podcast

Retiring Right Before or During a Recession. Debunking “Sequence of Returns Risk” - Canadian Financial Summit 2024

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  • Summary

  • 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

    • What is “Sequence of Returns Risk”?

    • What solutions are typically recommended?

    • What is the actual risk of running out of money with a bad sequence of returns?

    • Why don’t the typical solutions work?

    • How long did it take to recover from the biggest crashes?

    • How can you get the maximum reliable retirement income?

    • What should you do if your risk tolerance is lower?

    • What is “Your Personal Rule” for you to use instead of the “4% Rule”?

    • What solution to “Sequence of Returns Risk” actually works?

    • What dynamic spending rules are suggested by actuaries & advisors?

    • What is Ed’s dynamic spending rule?

    • How is it customized for you?
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