How Sequence of Returns Risk Can Derail Your Retirement

Episode 10 of Retirement Planning with Fexingo dives into sequence-of-returns risk — the often-overlooked danger of a market downturn hitting just as you start withdrawing from your nest egg. Lucas and Luna walk through a concrete example: a retiree with a $1 million portfolio who retires in 2008 versus 2013, showing how the same average return leads to wildly different outcomes. They explain why dollar-cost averaging works in accumulation but fails in decumulation, and discuss practical strategies like a bond tent, cash reserve buffer, and flexible spending rules. If you're within five years of retirement, this episode could save you from running out of money even if the market cooperates in the long run. #SequenceOfReturnsRisk #RetirementWithdrawalStrategy #PortfolioSequenceRisk #RetirementPlanning #BondTent #CashReserve #DecumulationPhase #RetirementIncome #MarketTimingRisk #FinancialPlanning #PersonalFinance #RetirementSavings #InvestmentStrategy #RiskManagement #FexingoBusiness #BusinessPodcast #Finance #WealthManagement Keep every episode free: buymeacoffee.com/fexingo