One of the biggest and often overlooked risks facing retirees is sequence-of-returns risk. The risk of experiencing investment losses early in retirement can have an impact on the sustainability of savings over the long term.
Morningstar researchers dug into this in their latest State of Retirement Income study. Their findings confirm what many retirement planners already suspect: the first five years of retirement are make-or-break.
I'll also answer a listener question: "Are there advantages to moving all your mutual funds into a brokerage firm such as Schwab? "
Resource:
Morningstar article: How to Avoid Outliving Your Retirement Savings? It’s All in the Sequence
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