Protection against bad timing

Everyone is prone to the dark force of “sequencing risk”, unless they take a simple step to lessen its potential to damage retirement savings.

Does it matter when you retire? If you have enough saved and have reached a socially acceptable age at which to finish working then, no, it probably doesn’t matter when you stop earning an income.

Let’s test the theory (because — spoiler alert — we’re going to find it’s wrong).

John retired in August 1987, Mary stopped working in March 1988 and Harry pulled the plug in January 1990.

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