{"id":534391,"date":"2026-03-20T08:12:17","date_gmt":"2026-03-20T08:12:17","guid":{"rendered":"https:\/\/www.newsbeep.com\/us\/534391\/"},"modified":"2026-03-20T08:12:17","modified_gmt":"2026-03-20T08:12:17","slug":"sequence-of-return-risk-why-market-timing-matters-in-retirement","status":"publish","type":"post","link":"https:\/\/www.newsbeep.com\/us\/534391\/","title":{"rendered":"Sequence of Return Risk: Why Market Timing Matters in Retirement"},"content":{"rendered":"<p class=\"ArticleBodyText_articleBodyContent__17wqE typography_articleBody___5jDr\" data-component=\"paragraph\">It\u2019s a retiree\u2019s nightmare: running out of money late in life. But another scenario is arguably just as traumatic. Imagine a prolonged market downturn that depletes your savings in the years right around when you retire, forcing you to sell stock at a loss to meet living expenses. Even if the market bounces back, great returns on a shrunken pile of investments can\u2019t make you whole. Retirement dreams are kneecapped from the get-go.<\/p>\n<p class=\"ArticleBodyText_articleBodyContent__17wqE typography_articleBody___5jDr\" data-component=\"paragraph\">That possibility is called \u201csequence of return risk,\u201d and it can hit in a danger zone stretching from the five years before retirement to the five years after. Without a strategy for dealing with this risk, a stock-heavy saver is vulnerable to a lower standard of living.<\/p>\n","protected":false},"excerpt":{"rendered":"It\u2019s a retiree\u2019s nightmare: running out of money late in life. But another scenario is arguably just as&hellip;\n","protected":false},"author":2,"featured_media":534392,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[39],"tags":[181,4592,28,100789,4591,9273,2808,801,170740,1999,147,530,1139,1432,3643],"class_list":["post-534391","post","type-post","status-publish","format-standard","has-post-thumbnail","category-personal-finance","tag-artificial-intelligence","tag-bonds","tag-business","tag-businessweek","tag-cash-flow","tag-census-bureau","tag-florida","tag-iran","tag-morningstar-inc","tag-new-york-city","tag-personal-finance","tag-personalfinance","tag-war","tag-wealth","tag-wealth-management"],"_links":{"self":[{"href":"https:\/\/www.newsbeep.com\/us\/wp-json\/wp\/v2\/posts\/534391","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.newsbeep.com\/us\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.newsbeep.com\/us\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/us\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/us\/wp-json\/wp\/v2\/comments?post=534391"}],"version-history":[{"count":0,"href":"https:\/\/www.newsbeep.com\/us\/wp-json\/wp\/v2\/posts\/534391\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/us\/wp-json\/wp\/v2\/media\/534392"}],"wp:attachment":[{"href":"https:\/\/www.newsbeep.com\/us\/wp-json\/wp\/v2\/media?parent=534391"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.newsbeep.com\/us\/wp-json\/wp\/v2\/categories?post=534391"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.newsbeep.com\/us\/wp-json\/wp\/v2\/tags?post=534391"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}