Strategy Parameters
Annuity Strategy
Portfolio Strategy
Why Relying Solely on the Stock Market May Be Your Biggest Retirement Risk…
It’s not just about how much you can make —
it’s about how much you can’t afford to lose.
The "Sequence Risk" Trap
Many retirees believe a diversified portfolio is enough to protect their income.
However, "Sequence of Returns Risk" — a market downturn early in retirement — can devastate a portfolio when you are simultaneously withdrawing income.
Without a guaranteed income floor, you are forced to sell assets at a loss, potentially causing you to run out of money years earlier than planned.
What This Comparison Reveals
- How long your portfolio lasts with vs without guaranteed income
- The impact of a 'Market Crash' early in your retirement
- Your exact 'Income Floor' provided by an annuity
- The difference in remaining liquid assets over 25+ years
- How to secure your lifestyle regardless of market performance
Why This Matters
Market volatility is outside your control, but your income shouldn't be. By allocating a portion of your assets to a guaranteed income source, you create a "Safety Net" that allows your remaining investments to grow without the pressure of providing every dollar of your lifestyle.
After completing this analysis, you will see:
- A Side-by-Side Income Comparison
- Your Portfolio Value Over Time Chart
- A 'Market Stress Test' Simulation
- Strategic Insights on Risk Management
The best time to protect your income is before the next market downturn. You’re stress-testing your strategy now — while you still have the opportunity to secure your future.