Latest / The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
The Sequence of Returns Risk That Breaks Early Retirement
In this episode, Lucas and Luna unpack the concept of sequence of returns risk—the danger that a market downturn early in retirement can permanently damage a portfolio even if average returns are good. They explore why this risk is especially acute for early retirees, and offer practical strategies like building a cash buffer and adjusting withdrawal rates to mitigate it. Specific numbers and scenarios make the concept concrete for listeners.
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The skinny
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