Retiring Right Before or During a Recession. Debunking “Sequence of Returns Risk”. (Canadian Financial Summit 2024)
Bloggers and advisors constantly warn about the “Sequence of Returns Risk”—the fear that retiring right before or during a market crash will drain your savings too quickly.
This fear often leads retirees to make poor investment choices, resulting in:
- Inferior portfolios
- Lower returns
- A less reliable retirement
But how real is this risk? And do the conventional solutions—like investing in bonds or following the 4% Rule—actually work?
Is it true that “sequence of returns risk” has been debunked for long-term equity investors?
In my latest YouTube video, podcast episode, and blog post you’ll learn
- What is “Sequence of Returns Risk”?
- What solutions are typically recommended?
- What is the actual risk of running out of money with a bad sequence of returns?
- Why don’t the typical solutions work?
- How long did it take to recover from the biggest crashes?
- How can you get the maximum reliable retirement income?
- What should you do if your risk tolerance is lower?
- What is “Your Personal Rule” for you to use instead of the “4% Rule”?
- What solution to “Sequence of Returns Risk” actually works?
- What dynamic spending rules are suggested by actuaries & advisors?
- What is Ed’s dynamic spending rule?
- How is it customized for you?
Planning With Ed
Ed Rempel has helped thousands of Canadians become financially secure. He is a fee-for-service financial planner, tax accountant, expert in many tax & investment strategies, and a popular and passionate blogger.
Ed has a unique understanding of how to be successful financially based on extensive real-life experience, having written nearly 1,000 comprehensive personal financial plans.
The “Planning with Ed” experience is about your life, not just money. Your Financial Plan is the GPS for your life.
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