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Reply to "What do people do when a serious downturn happens 5 years or so before retirement?"
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[quote=Anonymous][quote=Anonymous][quote=Anonymous]If it’s really a market downturn five years from retirement, treat it as a buying opportunity. Even the 2008 downturn recovered by 2013. If it’s a downturn in your first year of retirement then you’re just out of luck. But hopefully you ran a FireCalc Monte Carlo analysis to stress test against historical downturns.[/quote] After the 1929 crash, S&P did not recover till 1954. [/quote] This is by “index” price alone. If an investor stayed in the market and reinvested returns, they returned to the previous 1929 value in as little as five years. But this depends on the methodology. Index funds didn’t exist back then and there was no actual SandP 500 to measure against.[/quote]
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