If you’ve read much about retirement planning, you’ve encountered the concept of sequence of returns risk, which is the idea that the order of returns your portfolio receives matters. The worst years in which to experience bad returns are the years immediately before and immediately after you retire.
But a natural question is: how quickly does that risk go away? At what point can a retiree feel confident that they “escaped” such a scenario? Morningstar’s Jeff Ptak recently took a look at that question:
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