Latest / The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
How Early Retirees Navigate Sequence Risk With a Cash Buffer
Lucas and Luna dive into the bond tent strategy—a concrete method for early retirees to reduce sequence-of-returns risk in the first decade of retirement. Using a real example of a 55-year-old retiree with a $1 million portfolio, Lucas explains how shifting 40% to bonds before retirement and gradually selling them over 10 years can protect against market downturns. Luna challenges the approach with tax implications and rising interest rates, and Lucas responds with a practical glidepath. The episode also touches on how to adjust the strategy for today's higher bond yields. Listeners…
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