How to Fix Sequence Risk With a Rising Equity Glidepath

Lucas and Luna explore a counterintuitive trick for early retirees: the rising equity glidepath. Instead of de-risking as you enter retirement, you start with a higher bond allocation and gradually shift back into stocks over the first decade. This episode breaks down the math behind the strategy, why it protects against sequence risk, and how it compares with the traditional constant-allocation approach. Using a hypothetical early retiree with a $1 million portfolio, they show a concrete example: starting at 60 percent bonds and gliding to 40 percent bonds over ten years can raise your safe withdrawal rate by roughly 0.3 percent. They also discuss the psychological challenges of buying stocks after a market drop and how to implement the glidepath with low-cost index funds. Perfect for anyone in the FIRE community who wants to stress-test their withdrawal plan. #RisingEquityGlidepath #SequenceRisk #FIRE #EarlyRetirement #SafeWithdrawalRate #BondAllocation #PortfolioManagement #IndexFunds #RetirementPlanning #FinancialIndependence #PersonalFinance #Investing #Finance #FexingoBusiness #BusinessPodcast #FIREPodcast #RetirementStrategy #WealthManagement Keep every episode free: buymeacoffee.com/fexingo