ABOUT THIS EPISODE
What happens if the stock market falls just as you retire? When you begin withdrawing money, the timing of investment losses can affect how long your retirement savings last.
In this episode, Dan Wendol of Dolphin Financial Group explains sequence of returns risk—and why the first five years of retirement deserve particular attention.
Sequence of returns risk occurs when the order of investment gains and losses affects a portfolio that is funding withdrawals. Selling investments during a downturn leaves fewer assets available to participate in a potential recovery. That can make early losses especially challenging.
Dan discusses the difference between saving for retirement and creating retirement income, why a fixed dollar withdrawal becomes a larger percentage of a shrinking portfolio, and how planning ahead may reduce pressure to sell investments during difficult markets.
In this episode, Dan Wendol of Dolphin Financial Group explains sequence of returns risk—and why the first five years of retirement deserve particular attention.
Sequence of returns risk occurs when the order of investment gains and losses affects a portfolio that is funding withdrawals. Selling investments during a downturn leaves fewer assets available to participate in a potential recovery. That can make early losses especially challenging.
Dan discusses the difference between saving for retirement and creating retirement income, why a fixed dollar withdrawal becomes a larger percentage of a shrinking portfolio, and how planning ahead may reduce pressure to sell investments during difficult markets.
English
United States
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