The Most Expensive Retirement Mistake Can Happen in a Rising Market
A market index can recover while your retirement account remains behind. If you keep withdrawing throughout a downturn and recovery, the money that leaves cannot take part in later gains. A rising market does not replace a household spending policy.
Jean explains sequence-of-returns risk through a hypothetical couple starting with $2 million. A 30% decline reduces the balance to $1.4 million; a $100,000 withdrawal leaves $1.3 million before fees, taxes or further market movement. Regaining $2 million from $1.3 million would require about 53.8% growth with no additional withdrawals. A 30%…
The skinny
The skinny isn't ready yet — notes appear once the transcript is processed.