Retiring Into a Bad Market Could Break the 4% Rule: How Sequence-of-Returns Risk Threatens Your Nest Egg
Key Points
Two retirees with the same nest egg and average return can see one portfolio thrive while the other runs dry early.
Tools like cash buckets, flexible withdrawals, and partial annuities can help blunt early-retirement market shocks.
Retirement success can hinge on when returns arrive, not just how large they are. See how identical average gains still lead one nest egg to flourish while another fails, and discover tools to manage this sequencing risk in the video below.
*This video was published on Jun. 9, 2026.
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