How to Calculate a Safe Retirement Portfolio

The main cause of failure for retirement portfolio is usually the first 10 years if you have a really bad first five 10 years then your portfolio can't recover from that. So it's the sequence of returns that matters that's going to be the determinant whether you're going to last that first 30 years. Brandon in a few moments we're going to talk about the actual proposed rules that you've built into your new model.