The $1.5M Portfolio That Survives 30-Year Retirements

How dividing assets by time horizon reduces sequence risk while maintaining growth

The Details

Most retirees panic-sell stocks during downturns. With 10 years of spending in cash and bonds, you never have to sell stocks at a loss — allowing the equity portion to recover and compound through multiple market cycles.

What this means for you

Retirement decisions compound — getting one of these details wrong can cost tens of thousands of dollars over a retirement. The good news: most of these mistakes are completely avoidable if you understand how the rule actually works.

Next step

If you want to see how this applies to your specific situation, take the free Retire Ready Score — a 2-minute assessment that scores your current plan across income, taxes, healthcare, and protection.