Sequence-of-returns risk - and why the first few years can wreck your plan

Sequence risk is the nightmare where the market tanks right after you retire and you're pulling money out at the worst time. Different from regular volatility because withdrawals lock in losses. Possible migrations: flexible spending, cash reserves, bond tent, delaying a bit, part-time work. What are people here doing to protect against it?

Posted Jul 29, 2026, 6:49 AM UTC

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