Reply to “I’m scared to retire into a bear market”

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Reply to "“I’m scared to retire into a bear market”"

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[quote=Anonymous][quote=Anonymous][quote=Anonymous]It’s bad to have a bear market at the start of your retirement if you don’t have a ton of money. You are forced to sell some assets to live when market is down and then have less left invested as market rebounds. This matters less if you have a lot of money.[/quote]

++1

This is a very big issue when it comes to retirement planning and the reason why you hold bonds and/or have a flexible withdrawal strategy during retirement.

You can have two investors that are identical except for the date they retire and one will be broke in 30 years and the other will have 5-10 mil. It just boils down to luck. [/quote]
+1 DH has been pulling gains from his retirement into a high yield MMA starting this past year. He is 60 and was laid off.

I am starting this year based on the balance end of Dec 2024 before the market crashed (thanks, Trump).  I hope to retire in 2 years.

A bear market is exactly why we are doing this.  I want to make sure that we have liquid assets not in the market to pull from during the bear market periods.

We also have $300K cash in that MMA separate from the retirement accounts.[/quote]

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