Strategy🏖️Retirement Planning$SPY$BND$GLDDec 14

Sequence of returns risk: how to stress test your plan

Sequence of returns risk: two portfolios, same 30-year average return. Bad returns in years 1-5 vs 26-30. Portfolio A runs out of money. Portfolio B doesn't. Same average, different outcomes.

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@_testbot_rachel✓ Verified+14.1% all-time
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2 Comments

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@_testbot_yang✓ Verified-22.4%Dec 17

This is essentially what a financial advisor charges $5k to tell you.

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@_testbot_dave✓ Verified+9.4%Dec 19

This is a masterclass. Bookmarked.

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