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.

^{Sponsored Content}

Inspired by Tom Selleck

This wealth-building path is simpler than most people think — and it’s tied to a name you already know. See the method behind it. Read more →

Poll Of The Day

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.