Retiring During a Market Downturn: This Strategy Changes Everything

Описание: In this video, I share how emotional investment decisions—like selling during a downturn—can derail retirement plans, and why timing the market rarely works. Instead, I show you how to build a retirement strategy rooted in peace of mind, using a portfolio aligned with your risk comfort and a reliable income plan that holds steady through market volatility. You’ll learn how we identify your true risk tolerance in real dollar terms, not vague percentages, and how we structure spending using the go-go, slow-go, no-go model. I walk through real planning scenarios to show how guaranteed income strategies, like deferred annuities, can significantly boost success rates and reduce anxiety. You'll walk away with a clearer picture of how to build a retirement plan that helps you spend with confidence—no matter what the market is doing.

00:00 How Fear Derails Retirement Plans
01:14 Why Timing the Market Doesn’t Work
04:24 Measuring Real Risk in Dollars, Not Percentages
07:00 Two Things We Need to Know to Calculate Your Risk Tolerance
09:33 Spending Patterns and Your Retirement Outcome
10:55 Planning for Inflation in Retirement
13:23 Stress Testing Your Retirement Plan
16:39 Secure Income Analysis and Ways to Increase Stability in Volatility
18:24 What I Would Personally Do in This Situation
20:23 The Impact of Multiple Sources of Income from a Probability Standpoint
22:01 Spending More Than the Traditional 4% Rule
24:11 Analyzing The Portfolio Value Chart
25:25 The Retirement Plan You Deserve

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Disclaimer:
Hypothetical outcomes do not reflect actual results and are not guarantees of future results. Any index references herein are unmanaged and cannot be directly invested into. Past performance is no indication of future results. All investing involves risk, including the potential loss of principal, and there can be no guarantee that any investing or tax savings strategy will be successful. Advisory services are provided through Oak Harvest Investment Services, LLC, a registered investment adviser. Insurance services are provided through Oak Harvest Insurance Services, LLC, a licensed insurance agency.