Why Traditional Retirement Portfolios Break Over Long Time Horizons

Описание: Most retirement portfolios are built around reducing volatility as you get older. That approach makes sense on the surface, and for a while it can feel responsible and steady. The problem is that retirement today often lasts far longer than many plans were originally designed for. When the timeline stretches into three or four decades, inflation, longevity, and the need for ongoing growth start to matter in a different way. In this video, Tommy explains why long time horizons change how risk should be evaluated, how stability and durability are not the same thing, and why some portfolios that feel conservative early on can become restrictive later. If you are approaching retirement or already there, this discussion focuses on aligning your portfolio with how long your money truly needs to work and building a plan that supports both confidence and flexibility over time.

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Timestamps:
0:00 Intro
0:39 Longevity Reality
1:22 False Safety
2:09 Risk Tradeoff
3:07 Realistic Example
5:09 Fear Loop
6:13 Final Thoughts


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