Latest / The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
How Early Retirees Manage Sequence Risk with Bond Ladders
In this episode, Lucas and Luna explore how early retirees can build bond ladders to manage sequence risk and create predictable income without relying on stock sales during market downturns. They walk through a concrete example: a 50-year-old retiree building a five-year Treasury ladder with $250,000, generating about $10,000 a year in interest while protecting principal. They discuss the trade-offs between nominal Treasuries and TIPS, how to reinvest maturing bonds, and why a bond ladder offers psychological comfort beyond the numbers. The conversation also touches on how to integrate a…
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