What happens if the market crashes the moment you retire? That fear is more common than you might think and it’s exactly what we’re solving today.
In this video, I walk you through two strategies I use with my own clients to protect their Retirement from a market downturn: building a Cash War Chest and staying behaviorally disciplined when markets get ugly.
Here’s what you’ll learn:
– What sequence of returns risk is and why it’s a threat to your retirement
– How to build a 2–5 year cash cushion that lets you ride out a down market without touching your Growth assets
– Why bear markets are normal and how to stop emotional decisions from permanently damaging your portfolio
– The real gap between what the market returns and what investors actually earn
Whether you’re 5 years from retirement or just starting to draw down your savings, this strategy gives you the breathing room to stay calm and stay the course, even when everything feels uncertain.
Subscribe to my channel for more helpful videos on retirement and Investing:
▶️ @therealpeopleadvisor
Need a financial planner? Let’s talk! Book a call with me today:
▶️ www.sensibleportfolios.com
Instagram ▶️ / https://www.instagram.com/sensibleportfolios/
Facebook ▶️ / https://www.facebook.com/SensiblePortfolios/
This video is for educational purposes only and does not constitute personalized financial advice. Consult with a financial or tax professional for guidance on your unique circumstance and goals.
#retirementplanning #diversifiedportfolio #investingforretirement
Sources:
https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/learning-center/050520_Market-Insights.pdf
https://www.forbes.com/sites/wesmoss/2026/01/27/how-the-average-investors-returns-compare-to-the-market/
