Market downturns hit hardest during retirement when you can't wait out recovery because you need to spend from depleted accounts, forcing you to sell losses rather than hold through recovery. This invisible risk means that sequence of returns—when gains and losses occur—matters as much as average returns, a reality that upends simple retirement math.
Peri can explain this concept, give practical examples, help you decide whether it applies to your situation, or recommend a journey if appropriate.
Explore related journeys or tell Peri what you're working through.