Can Your FIRE Portfolio Survive a Stock Market Crash?

13 snips

Mar 28, 2025

As stock market volatility rattles the financial landscape, early retirees and those pursuing financial independence are urged to rethink their investment strategies. The discussion highlights the risks associated with a declining portfolio and the need for proactive management. Listeners learn about the potential benefits of diversifying with bonds or real estate to protect their gains. Plus, personal stories underscore the emotional challenges couples face when navigating retirement, making resilience and adaptability key in these uncertain times.

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ADVICE

Near-Retirement Strategy

If you're nearing retirement, delaying retirement during a downturn can mitigate risk.
Re-evaluate your retirement plans based on market recovery.

INSIGHT

Downturn Benefits for Young Investors

Market downturns benefit young investors by offering discounted prices.
Accumulating investments early minimizes the long-term impact of initial losses.

ADVICE

Portfolio Allocation by Age

An aggressive, all-stock portfolio is suitable for young investors with long time horizons.
As retirement nears, transition to a balanced portfolio, ideally 60/40 stocks/bonds, to mitigate risk.

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