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How Early Retirees Handle Sequence Risk With a Rising Equity Glidepath
In episode 100 of The Financial Freedom Podcast, Lucas and Luna dig into a counterintuitive strategy for managing sequence-of-returns risk in early retirement: a rising equity glidepath. Instead of de-risking as you approach retirement, you start with a lower stock allocation and increase it over the first decade of withdrawals. They walk through a concrete example: a 45-year-old retiree with a $1.5 million portfolio, a 4% withdrawal rate, and an initial 30% stock allocation that gradually rises to 60% over ten years. The hosts explain why this approach can reduce the probability of portfolio…
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