How Glide Paths Smooth Your Retirement Income

In this episode of Wealth Building with Fexingo, Lucas and Luna dive into the concept of a retirement glide path — the gradual shift from growth assets to income and safety as you approach and enter retirement. They explore why a static 60-40 portfolio may leave you vulnerable to sequence-of-returns risk, and how a declining equity glide path can protect your nest egg. Using the example of a 2019 retiree who faced the 2020 crash, they show how de-risking before retirement would have preserved capital, while a retiree who stayed fully invested suffered permanent portfolio damage. The hosts walk through the math: a 10% drop in a 60% equity portfolio vs. a 30% equity portfolio, and why the first decade of withdrawals is the most dangerous. They also discuss the 'bond tent' — a popular strategy that increases bond exposure around retirement — as a practical application of glide path thinking. No complex formulas, just real-world logic for listeners planning their own retirement income strategy. #RetirementGlidePath #SequenceOfReturnsRisk #BondTent #AssetAllocation #RetirementIncome #WealthBuilding #FexingoBusiness #Finance #Investing #LongTermStrategy #CompoundGrowth #FinancialIndependence #RetirementPlanning #EquityGlidePath #PortfolioDeRisking #SafeWithdrawalRate #RetireeStrategy #BusinessPodcast Keep every episode free: buymeacoffee.com/fexingo