From American Retirement Insider <[email protected]>
Subject Why the First 5 Years of Retirement Are the Most Dangerous—and How to Protect Yourself
Date January 7, 2026 7:03 PM
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Most people think retirement risk comes from poor long-term returns.

In reality, the most dangerous years of retirement are often the first five.

Why? Because it’s not just how much your portfolio earns that matters — it’s when those returns happen. A sharp market drop early in retirement can permanently weaken your income plan, even if markets recover later.

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Poll Of The Day

How confident are you that your retirement plan can handle a major market drop in the first few years?

Very confident
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Somewhat confident
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Not confident at all
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Fun Fact Of The Day

Two retirees with the same average return can end up with dramatically different outcomes depending solely on the order of market gains and losses — a phenomenon that didn’t gain widespread attention until the late 1990s.

American Retirement Insider

4801 Linton Blvd. #11A-636, Delray Beach, FL, United States, 33445

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