Two investors can earn the same average return and end up with very different retirement outcomes. When you’re withdrawing money, the timing of market gains and losses can make a significant difference in your ability to have a comfortable retirement.
In this episode of the Providence Financial Retirement Show, we explain what sequence of returns risk means and why relying on averages can leave a retirement plan vulnerable. Also today:
– the assumptions behind the 4% rule – he differences between growth, yield, and cash flow – when to begin shifting from accumulation toward retirement income
Plus: listener questions about how to weigh capital gains taxes against the risks of postponing portfolio changes as retirement approaches.
Listen in.