Retiring Into a MARKET CRASH: What Happens Next

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What happens if the market crashes right after you retire? This video shows how sequence of returns risk can impact your portfolio, using real data, worst-case scenarios, and practical strategies to protect your retirement income.
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CHAPTERS
0:00 What Happens If the Market Crashes Right After You Retire?
0:15 The Retirement Nightmare Scenario Explained
0:43 $100,000 Portfolio Test During a Market Crash
0:59 The 4% Rule and How It Really Works
1:23 Why Average Market Returns Can Be Misleading
2:16 Sequence of Returns Risk Explained Simply
3:10 30 Years of S&P 500 Data (Real Results)
4:31 The Worst Time to Retire (August 2000)
5:35 The Second Worst Time to Retire (2007 Crash)
6:02 Why Retirees Struggle During Market Declines
6:38 Will This Happen Again? (Reality Check)
7:00 What If You Delay Retirement by 1–2 Years?
8:30 The Retirement “Danger Zone” (First 5 Years)
10:16 The Best Time to Retire (March 2009)
11:11 Why Timing Matters More Than You Think
11:27 Stocks vs Bonds: 50/50 Portfolio Results
12:50 Biggest Mistake: Panic Selling in Retirement
13:39 5 Strategies to Protect Your Retirement
14:32 Final Thoughts: Flexibility Is Your Advantage
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Geoffrey Schmidt, CPA Bio:
Geoff Schmidt is a CPA who specializes in personal financial education for those approaching or in Retirement. Geoff spends 100% of this time on financial education through social media.

Channel Disclaimer: this video is for educational and entertainment purposes only and is not meant to be a substitute for legal, accounting, tax, or professional advice. If you have any specific questions about any legal, accounting, tax or other professional service matter you should consult the appropriate professional services provider. Holy Schmidt! is not affiliated with the Social Security Administration, Centers for Medicare & Medicaid Services or any government agency.