{"id":170831,"date":"2025-04-04T11:02:35","date_gmt":"2025-04-04T11:02:35","guid":{"rendered":"https:\/\/peraltafinancing.com\/business\/investing\/when-does-sequence-of-returns-risk-recede-oblivious-investor\/"},"modified":"2025-04-04T11:02:35","modified_gmt":"2025-04-04T11:02:35","slug":"when-does-sequence-of-returns-risk-recede-oblivious-investor","status":"publish","type":"post","link":"https:\/\/fivemor.com\/?p=170831","title":{"rendered":"When Does Sequence of Returns Risk Recede? \u2014 Oblivious Investor"},"content":{"rendered":"<p> <br \/>\n<\/p>\n<div>\n<div class=\"entry-content\">\n<p>If you\u2019ve read much about retirement planning, you\u2019ve encountered the concept of sequence of returns risk, which is the idea that the <em>order<\/em> of returns your portfolio receives matters. The worst years in which to experience bad returns are the years immediately before and immediately after you retire.<\/p>\n<p>But a natural question is: how quickly does that risk go away? At what point can a retiree feel confident that they \u201cescaped\u201d such a scenario? Morningstar\u2019s Jeff Ptak recently took a look at that question:<\/p>\n<h3>Other Recommended Reading<\/h3>\n<p>Thanks for reading!<\/p>\n<\/div>\n<h3>New to Investing? See My Related Book:<\/h3>\n<table style=\"height: 135px;\" border=\"0\" cellspacing=\"0\" cellpadding=\"0\">\n<col span=\"2\" width=\"75\" \/>\n<tbody>\n<tr height=\"13\">\n<td width=\"160\" height=\"13\"><a href=\"http:\/\/www.amazon.com\/dp\/1950967158\/?tag=obliviouspromo-20\" target=\"_blank\"><img decoding=\"async\" style=\"padding-top: 0px;\" title=\"Investing Made Simple\" src=\"https:\/\/obliviousinvestor.com\/wp-content\/uploads\/2018\/05\/NewBook6Covertiltedscaled.jpg\" width=\"160\" alt=\"Book6FrontCoverTiltedBlue\" \/><\/a><\/td>\n<td width=\"350\">\n<p><em><strong>Investing Made Simple: Investing in Index Funds Explained in 100 Pages or Less<\/strong><\/em><\/p>\n<p> <a href=\"http:\/\/www.amazon.com\/dp\/1950967158\/?tag=obliviouspromo-20\" target=\"_blank\"><img loading=\"lazy\" decoding=\"async\" title=\"buybuttontan\" src=\"https:\/\/www.obliviousinvestor.com\/wp-content\/uploads\/2008\/11\/buybuttontan.gif\" alt=\"\" width=\"120\" height=\"28\" \/><\/a><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p> <strong>Topics Covered in the Book:<\/strong><\/p>\n<ul>\n<li>Asset Allocation: Why it&#8217;s so important, and how to determine your own,<\/li>\n<li>How to to pick winning mutual funds,<\/li>\n<li>Roth IRA vs. traditional IRA vs. 401(k),<\/li>\n<li><a href=\"http:\/\/www.amazon.com\/dp\/1950967158\/?tag=obliviouspromo-20\" target=\"_blank\">Click here to see the full list<\/a>.<\/li>\n<\/ul>\n<p><strong>A Testimonial:<\/strong><\/p>\n<p> &#8220;A wonderful book that tells its readers, with simple logical explanations, our Boglehead Philosophy for successful investing.&#8221;<br \/>\n&#8211; Taylor Larimore, author of <em>The Bogleheads&#8217; Guide to Investing<\/em><\/p>\n<p><span class=\"date published time\" title=\"2025-03-31T07:00:51-05:00\">March 31, 2025<\/span><\/p>\n<\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>If you\u2019ve read much about retirement planning, you\u2019ve encountered the concept of sequence of returns risk, which is the idea that the order of returns your portfolio receives matters. The worst years in which to experience bad returns are the years immediately before and immediately after you retire. But a natural question is: how quickly [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":104042,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[96],"tags":[13177,14955,68435,10970,11115,18026],"dealstore":[],"offerexpiration":[],"class_list":["post-170831","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investing","tag-investor","tag-oblivious","tag-recede","tag-returns","tag-risk","tag-sequence"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>When Does Sequence of Returns Risk Recede? \u2014 Oblivious Investor - Som2ny Network<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/fivemor.com\/?p=170831\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"When Does Sequence of Returns Risk Recede? \u2014 Oblivious Investor - Som2ny Network\" \/>\n<meta property=\"og:description\" content=\"If you\u2019ve read much about retirement planning, you\u2019ve encountered the concept of sequence of returns risk, which is the idea that the order of returns your portfolio receives matters. 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