Early Market Losses Are So Dangerous in Retirement (Here's Why)

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Most retirees believe that as long as their portfolio earns a solid average return, retirement will take care of itself. But what many people don’t realize is that when those returns happen matters far more than the average itself.

I’ve seen retirees with nearly identical portfolios experience drastically different outcomes — not because of bad investments, but because of early market losses combined with withdrawals. This is known as sequence of returns risk, and it’s one of the biggest threats to retirement income, especially in your 60s and early 70s.

In this breakdown, I explain exactly how sequence of returns risk works, why it’s more dangerous today than in past decades, and how a market downturn early in retirement can permanently shorten how long your money lasts — even if markets eventually recover.

We also walk through practical strategies to reduce this risk, including building cash buffers, using flexible withdrawal strategies, and segmenting your portfolio by time horizon so you’re not forced to sell investments at the wrong time.

If you’re approaching retirement or already retired and want to protect your income from market volatility, this conversation will help you understand how to structure your retirement plan for confidence, stability, and long-term sustainability — no matter what the market does next.









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