DEC-1982
Full time employment: Posting here.
It's sequence of return risk that comes into play during retirement. Do you forecast sequence of returns?
In FIDO RIP's planning, yes. For my specific asset allocation ...
Years 2016-2025 3.65% return (bad)
Years 2026-2035 6.06% return (normal?)
Years 2036-2045 5.38% return (normal?)
Years 2046-2055 13.61% return (must be a repeat of the roaring nineties)
Naturally, for the planning exercise, the first few years are bad, and the last few years are great.