The Red Zone: How This Could DESTROY Your Retirement Savings

Описание: Book your retirement strategy with me here: https://go.oncehub.com/2020Virtualzoom

Many retirees assume that if their portfolio averages solid returns over time, they’ll be fine. What they don’t realize is that retirement success has very little to do with average returns — and everything to do with timing. One bad market year early in retirement, while you’re drawing income, can permanently reduce your portfolio’s ability to recover.

I see this mistake all the time. People retire with strong savings, start withdrawing income, and then run straight into a market downturn. Without the right income structure, they’re forced to sell investments at the worst possible time, locking in losses that compound for the rest of retirement.

This breakdown explains how sequence-of-returns risk really works, why the first decade of retirement is so critical, and how smart income planning can protect your lifestyle even during major market declines. I walk through practical strategies like cash-flow buffers, bucket-based investing, flexible withdrawals, and coordinating reliable income sources so your plan doesn’t depend on market timing.

If you’re within five years of retirement — or already retired — understanding this risk is essential. Retirement isn’t about avoiding market downturns. It’s about designing a plan that still works when they happen.



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