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    Cursed Retirement?: What is Sequence of Returns Risk?: Financial Freedom, #165
    Cursed Retirement?: What is Sequence of Returns Risk?: Financial Freedom, #165
    Cursed Retirement?: What is Sequence of Returns Risk?: Financial Freedom, #165
    Ebook84 pages55 minutes

    Cursed Retirement?: What is Sequence of Returns Risk?: Financial Freedom, #165

    By Joshua King

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    About this ebook

    We all dream of a perfect retirement where we arrive with $1 or $2 million in our 401Ks or Roth IRAs.

     

    What happens if there is a massive stock market downturn in the first 2-4 years of our retirement?

     

    Selling more shares early in our retirement will hurt us throughout our lives. It's tough to recover when you no longer own the necessary shares.

     

    That's why I aim never to sell shares. I can do this by investing for dividends, owning real estate, renting rooms, and opening a business.

     

    Retirement planning is more than a 401K; it is a whole-life outlook that keeps income coming no matter what the stock market is doing. Good Luck!

     

    LanguageEnglish
    PublisherJoshua King
    Release dateJun 26, 2023
    ISBN9798215166871
    Cursed Retirement?: What is Sequence of Returns Risk?: Financial Freedom, #165

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      Cursed Retirement? - Joshua King

      Table of Contents

      MILITARY FAMILY INVESTING | Joshua King | Home of the Free PDF

      What is Sequence of Returns Risk?

      All Right Reserved Military Family Investing | 01  Cursed Retirement? What is Sequence of Returns Risk?

      02  What is Your Dream Retirement?

      03  Middle-Class Investing 104: Building a Solid Retirement Plan

      04  The Magic of Passive Index Fund Investing 2

      05  The Bear Market is Your Friend

      06  Compound Interest: You Either Pay It or Earn It

      07  The 30-Day $1,000 Emergency Fund Challenge

      08  Bond Growth Investing

      09  Bonds 4 Life: Im Buying 30-Year Bonds Over 30%

      10  I Heart Income Investing

      Try Something New -Free PDF Download

      Sign up for Joshua King's Mailing List

      Also By Joshua King

      MILITARY FAMILY INVESTING

      Joshua King

      Home of the Free PDF

      www.militaryfamilyinvesting.com

      ––––––––

      Cursed Retirement?

      What is Sequence of Returns Risk?

      01  Cursed Retirement? What is Sequence of Returns Risk?

      02  What is Your Dream Retirement?

      03  Middle-Class Investing 104: Building a Solid Retirement Plan

      04  The Magic of Passive Index Fund Investing 2

      05  The Bear Market is Your Friend

      06  Compound Interest: You Either Pay It or Earn It

      07  The 30-Day $1,000 Emergency Fund Challenge

      08  Bond Growth Investing

      09  Bonds 4 Life: Im Buying 30-Year Bonds Over 30%

      10  I Heart Income Investing

      Free PDF Download

      1)  PDF of the Month: Don’t Gamble with Retirement 10 (Free 419-Page PDF)

      2)  Free PDF Downloads: Download FREE PDF LIST here

      3)  Financial Mindset: Become CEO of Yourself 2 (Free 196-Page PDF)

      4)  Retirement Planning: Your Retirement Planning Guide 2 (Free 255-Page PDF)

      5)  Investing: How We Plan to Retire on Dividends 4 (Free 139-Page PDF)

      6)  Cryptocurrencies: Counting on Crypto 2 (Free 159-Page PDF)

      7)  Real Estate: Financial Independence through Real Estate 4 (Free 112-Page PDF)

      8)  Business: Retire Rich, Retire Comfortable with a Business 4 (Free 149-Page PDF)

      9)  Latest DGWR: Don’t Gamble with Retirement 10 (Free 419-Page PDF)

      10) Everything!: The Biggest Book on Passive Income Ever 3! (book)(Web Edition)(Art Edition)

      11) Writer’s Comparison: M1 Macbook Air vs. GalaxyBook3 Pro 360

      12) Read My Books for Free: Free Kindle Books Schedule

      13) Book Design: Design Tips on YouTube

      14) Kindle Unlimited: Why I Finally Subscribed Kindle Unlimited (learn more)

      15) Book Reviews: 505 Takeaways from 101 Books (pdf)

      16) Writing: The Publishing Chronicles (Part 1, Part 2, Part 3, Part 4, Part 5)

      17) Best REIT- Fundrise: Fundrise vs. US Treasuries (Join Fundrise)

      18) Follow us: On our Facebook Page and Join our Facebook Group

      19) Support the Channel on Cash App: $Kingmarine1981

      20) For more detailed analysis, join my Youtube: MFI YouTube Channel

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      PDF of the Month: Don’t Gamble with Retirement 10 (Free 419-Page PDF)

      Disclosure: I am not a financial advisor or money manager, and any knowledge is given as guidance and not direct actionable investment advice. I am an Amazon Affiliate. Please research any investment vehicles that are being considered. I wrote this article myself, and it expresses my own opinions. I am not receiving compensation for it.  I have no business relationship with any company whose stock is mentioned in this article.

      All Right Reserved Military Family Investing

      01  Cursed Retirement? What is Sequence of Returns Risk?

      Most of us spend our working years dreaming (and planning) for retirement daily. We know that to free ourselves from bondage, we must have a solid retirement plan in place.

      Conventional wisdom has us invest 10% into our 401Ks and Roth IRAs over 35-45 years. Hopefully, we retire with $1-2 million, but that is rare.

      In a perfect world, as we retire, the stock market will be at all-time highs, and we can sell a few shares of our index funds to generate our required income. But the world is imperfect.

      Envision Your Life Without a Paycheck

      What is the sequence of returns risk? Put simply, sequence of returns risk (SRR) is when you must sell more shares during a downturn to generate the required income.

      Because you sell more shares early in retirement, your recovery prospects are much more limited than if you had more shares. Let’s explore a scenario.

      Let’s say you retire on January 1, 2024. You have 5000 shares of the Total Stock Market Index Fund (VTI). The shares are worth $200 each, giving you $1 million. That first year, you sell 200 shares to generate $40,000. Easy day.

      Now, the market will take a downturn during 2024. On Jan 1,

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