The Personal Finance Podcast podcast artwork The Personal Finance Podcast

This is THE BIGGEST RISK to Your Retirement Portfolio

Episode 53354 min

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Two retirees. Same portfolio. Same returns. One ran out of money at 87. The only difference was when the bad years hit. Here is how to make sure you are not the unlucky one.
👉 Join Andrew's FREE Masterclass The Portfolio Pyramid: ⁠https://event.webinarjam.com/q05p7/register/q05p7b65?webinar_id=24⁠
What You'll Learn in This Episode
What sequence of returns risk is and why it can permanently destroy a retirement portfolio in the first three years
Why two people with identical portfolios and identical returns can end up with a $700,000 difference by year three
The cash buffer strategy that shields your portfolio from early retirement market crashes
How bond tenting works and why the smartest retirement researchers say to do the opposite of what most people think
The dynamic withdrawal strategy that lets you spend more in good years and protect your portfolio in bad ones
How to build a guaranteed income floor so market crashes never threaten your non-negotiable expenses
Why flexibility in your first few retirement years is the most powerful weapon you have against sequence risk
Start Here
Join the community built to help you master your money, stay accountable, and reach financial freedom.
👉 Try Master Money Academy FREE for 7 days today! ⁠https://mastermoney.co/join/⁠
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👉 Join The Master Money Newsletter where you will become smarter with your money in 5 minutes or less per week Here!⁠ https://expert-hustler-605.ck.page/6aa7bb9a79⁠
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Tool/s Mentioned
Andrew's Favorite High-Yield Savings Accounts ⁠https://secure.money.com/pr/r453ecf4d190⁠
Episode/s Mentioned
How to Master Your Student Loans with Robert Farrington ⁠https://youtu.be/t146LJRUc0o⁠
Watch Next
The Insurance Crisis Nobody Is Talking About (With Bob Litterman) ⁠https://youtu.be/gBuIOQKQgFM⁠
He Lost $50 Million In Real Estate Then Got Rich Again (With Rod Khleif) ⁠https://youtu.be/rKuN2ZcUYWQ⁠
How to Become a Stealth Wealth Millionaire (With JC Rodriguez) ⁠https://youtu.be/Y83BTQONiJc⁠
High Income Tax Strategies, Selling a House to Invest in the S&P 500, and Converting $100K to a Roth IRA (Money Q&A) ⁠https://youtu.be/NR-LlTqb7Cs⁠
How to Shave Off 7+ Working Years and Retire Early! ⁠https://youtu.be/9oZFn2lmZm4⁠
Connect with Andrew
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Newsletter → https://bit.ly/Skool-Newsletter
Website →⁠ https://mastermoney.co ⁠
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LinkedIn →⁠ ⁠⁠https://www.linkedin.com/in/andrew-giancola-45027b340 ⁠
Question for you:
Are you planning for sequence of returns risk in your retirement plan right now or is this the first time you are hearing about it? Drop where you are in the comments and tell us which strategy you are going to implement first.
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