With the stock market at all-time highs and bond interest rates at near historical low levels,
it can be a very difficult time to safely navigate a new retirement.
Where should your assets be.. or be moved to? How should you take distributions and from what assets?
But this post isn’t so much about those strategies as it is about the concept of “Sequence of Returns”.
Since we are at historical stock market highs (but that doesn’t mean we can’t or won’t go higher), taking
monthly retirement distributions during a prolonged market fall could be a disaster.
As you’ll soon see, it’s much better to retire in a new bull market.
The bottom line is that the returns you get “early” in your retirement will have a disproportionate effect
on how long your money will last. The early years matter MOST – either positively or negatively!
An insurer that I work with has a great PDF about “Sequence of Returns” (with no mention of product but
their logo is all over it) — that I will be happy to email to you.
To get your copy… just send me an email.
I think you will learn more about this vital concept and even enjoy it.
all the best… Mark