Is There a Sequence of Returns Risk in Retirement?

The early years of retirement potentially being the higher spending years before Social Security comes online does that make that cohort who might be taking more from their portfolios in that early years are they particularly vulnerable to sequence risk. I think there's two big things that they have to help mitigate some of that sequence or returns risk one is that they can set aside enough cash and bonds on the front end to hopefully be able to fund a very significant portion of the spending for that five-year period. You also have the option to turn Social Security on earlier if needed so it certainly in many cases I think it's worth trying to continue to delay but if we hit just a really awful sequence of returns you do have

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