10-6-26 Sequence of Returns Risk - The Math That Breaks Retirement

The Real Investment Show (Full Show) · Oct 6, 2026 · 47m

You can earn a solid average return in retirement and still run out of money. The reason may be sequence of returns risk — the danger of suffering significant market losses early in retirement, while simultaneously withdrawing money from your portfolio. Lance Roberts & Jon Penn explain why the order of investment returns matters so much once you transition from saving to spending, and examine the math behind the 4% withdrawal rule, why early retirement losses can be so difficult to recover from, how taxes can increase the effective draw on a portfolio, and why starting market valuations…