THE NEW HOLISTIC RETIREMENT • 41 Not exactly what you want to do when retirement is on the horizon! The 2000 and 2008 market crashes also uncovered another risk: sequence of return risk. Sequence of returns describes the pattern of market et hxep emr iaernkceet —i s wd oh wi c hn . yTeharrosutghheo mu t atrhki es tbios oukp, wa en’dv ewt ha li kc he dy ae al or st about average returns. But the pattern of those returns is also important—especially once you’re retired and need income. m a t tWe rh. eAns lsoanvgi nags, tthhee asveeqruaegne cree toufr nr ei tnu ran4s 0 d1 o( ke)s no’ rt IrReAa l liys good, the final results will usually be okay. But, in the early 2000s, retirees across America dy oi suc oa vr ee rl ei qdu ti dh aa tt i nt hgey soeuqr uaesns ce et s o—f wr eht eunr nyso umna et teedr st oa wl oi tt hwd rhaewn funds to use as retirement income.
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