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How Early Retirees Use a Bond Tent to Reduce Sequence Risk
Episode 125 of The Financial Freedom Podcast explores the bond tent strategy for early retirees. Lucas and Luna explain how increasing bond allocation just before retirement and then gradually shifting back to stocks can protect a portfolio during the first decade of withdrawals. They use a concrete example: a retiree with a $1 million portfolio in 2026, the year after a strong market run, who moves 30% into bonds before retirement and then transitions back to 70% stocks over five years. The hosts discuss why this reduces sequence risk, how it compares to a constant allocation, and the…
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