Two retirees with identical 7% average returns over 30 years can have vastly different outcomes — one runs out of money by year 18, the other dies with $2M+. The difference? When the bad years hit. Sequence of returns risk is the #1 threat to early retirees.
This guide covers worked examples, historical worst-case scenarios, the bond tent strategy, Guyton-Klinger guardrails, cash buffer approaches, and Monte Carlo simulation results.
Originally published on WealthWise OS.