In retirement, the sequence of return risk presents a unique threat that can derail even the most carefully crafted strategies. For those approaching retirement, the stakes are high: an untimely market downturn can rapidly deplete savings, forcing retirees to sell assets at a loss and potentially jeopardize the longevity of their income.
Key takeaways
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- The bucket strategy aligns assets with retirement phases, helping to buffer against down markets.
- Guaranteed income assets provide steady, reliable income to offset market volatility.
- Vigilance and flexibility in response to market conditions are vital to sustaining predictable retirement income.
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