Tag Archives: sequence of return risk

When you retire matters a lot more than you think

The starting year of retirement makes a huge difference in the success or failure of a retirement plan. This is the key difference between the accumulation phase of investing and the withdrawal phase of investing. Yet the majority of investing writing does not take this key difference into account when speaking of returns, asset allocation, planning, etc. So, lets look at how important the starting year of retirement is to a successful outcome and what potential a retiree can do to mitigate this risk. Why does the starting year of retirement matter in the first place? It is because¬†retirement involves … Continue reading

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