Ep.359 The Hidden Risk That Wrecks Retirement Plans

Most people think retirement success is about one number: how much you saved. But many plans fail for a quieter reason—sequence of returns risk. Average returns don’t protect you from bad timing. If the market drops hard in the first years of retirement, you still need cash to live. That forces you to sell investments at the worst possible moment. Even if markets recover later, the damage is already done because your capital is gone. This is why timing matters more at the start than the...