{"id":90558,"date":"2025-02-15T23:29:09","date_gmt":"2025-02-15T23:29:09","guid":{"rendered":"https:\/\/peraltafinancing.com\/business\/finance\/weekend-reading-navigating-the-retirement-risk-zone\/"},"modified":"2025-02-15T23:29:09","modified_gmt":"2025-02-15T23:29:09","slug":"weekend-reading-navigating-the-retirement-risk-zone","status":"publish","type":"post","link":"https:\/\/fivemor.com\/?p=90558","title":{"rendered":"Weekend Reading &#8211; Navigating the Retirement Risk Zone"},"content":{"rendered":"<p> <br \/>\n<\/p>\n<div itemprop=\"articleBody\">\n<h2>Weekend Reading \u2013 Navigating the Retirement Risk Zone<\/h2>\n<p>Hey Folks!<\/p>\n<p>Welcome to some new Weekend Reading about an important subject: navigating the retirement risk zone.<\/p>\n<p>This is another important subject to understand if you are considering semi-retirement like I am or full-retirement at any age.<\/p>\n<p>I\u2019ll link to a few past posts and related considerations as part of this edition soon, first, a reminder: it\u2019s \u201cRRSP season\u201d:<\/p>\n<blockquote class=\"wp-embedded-content\" data-secret=\"cNWAu6sRsa\">\n<p><a href=\"https:\/\/www.myownadvisor.ca\/rrsp-facts-you-must-remember-this-year-and-beyond\/\">RRSP facts you must remember this year and beyond!<\/a><\/p>\n<\/blockquote>\n<p><iframe class=\"wp-embedded-content lazyload\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; visibility: hidden;\" title=\"\u201cRRSP facts you must remember this year and beyond!\u201d \u2014 My Own Advisor\" data-src=\"https:\/\/www.myownadvisor.ca\/rrsp-facts-you-must-remember-this-year-and-beyond\/embed\/#?secret=3WIjCWLmFC#?secret=cNWAu6sRsa\" data-secret=\"cNWAu6sRsa\" width=\"600\" height=\"338\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe><\/p>\n<h3><strong>Weekend Reading \u2013 Navigating the Retirement Risk Zone<\/strong><\/h3>\n<p>Readers, DIY investing advocates on this site, and equally importantly, prospective members <a href=\"https:\/\/www.myownadvisor.ca\/helpful-sites\/\" target=\"_blank\" rel=\"noopener\">to these low-cost retirement income services<\/a>\u00a0often wonder the following when it comes to retirement planning:<\/p>\n<ul>\n<li><em>What can I spend from my portfolio?<\/em><\/li>\n<li><em>How long could that money last?<\/em><\/li>\n<li><em>What accounts should I draw down first (to make my money last)?<\/em><\/li>\n<\/ul>\n<p>I\u2019ve asked those questions myself about our own portfolio \u2013 and I continue to do so!<\/p>\n<p>Ultimately, there is no perfect answer since all inputs are subject to change: your account values, inflation, rates of return, taxation and variable spending just to name a few. This is why I\u2019ve always said and firmly believe that <strong><em>retirement income planning is a process<\/em> <\/strong>\u2013 one that has a beginning but it never really ends.<\/p>\n<p>If your needs in semi-retirement or retirement are anything like mine, you want to accomplish a blend of the following:<\/p>\n<ol>\n<li>meet desired spending and fun,<\/li>\n<li>navigate and minimize taxation,<\/li>\n<li>fight some longevity risk.\u00a0<\/li>\n<\/ol>\n<p>In running my own math over the years my retirement income projections tell me a valuable story. While my retirement income budget has been established for a year or so now, something I will update later this year, it also tells me my own narrative about navigating the retirement risk zone.\u00a0<\/p>\n<blockquote class=\"wp-embedded-content\" data-secret=\"PJ9bvv5CLJ\">\n<p><a href=\"https:\/\/www.myownadvisor.ca\/financial-independence-budget\/\">Financial Independence Budget<\/a><\/p>\n<\/blockquote>\n<p><iframe class=\"wp-embedded-content lazyload\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; visibility: hidden;\" title=\"\u201cFinancial Independence Budget\u201d \u2014 My Own Advisor\" data-src=\"https:\/\/www.myownadvisor.ca\/financial-independence-budget\/embed\/#?secret=V7zUS0vAF0#?secret=PJ9bvv5CLJ\" data-secret=\"PJ9bvv5CLJ\" width=\"600\" height=\"338\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe><\/p>\n<h3><strong>What is the Retirement Risk Zone?<\/strong><\/h3>\n<p>Simply put: the stakes are higher for you and me.<\/p>\n<p>Years ago, I could afford a significant market loss and weather inflationary pressures since investing time was on my side when the market tanked and I could simply plow more money into the stock market \u2013 which I did. The same is not necessarily true in the years ahead. This is why I\u2019ve been planning for a few years now \u2013 preparing for the 5-year period before semi-retirement begins and then positioning my portfolio for some downside protection after I start semi-retirement; for at least another 5-year period.<\/p>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"aligncenter wp-image-30980 size-full lazyload\" src=\"https:\/\/www.myownadvisor.ca\/wp-content\/uploads\/2025\/02\/Retirement-Risk-Zone.png\" alt=\"Retirement Risk Zone\" width=\"908\" height=\"420\"\/><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-30980 size-full lazyload\" src=\"https:\/\/www.myownadvisor.ca\/wp-content\/uploads\/2025\/02\/Retirement-Risk-Zone.png\" alt=\"Retirement Risk Zone\" width=\"908\" height=\"420\" srcset=\"https:\/\/www.myownadvisor.ca\/wp-content\/uploads\/2025\/02\/Retirement-Risk-Zone.png 908w, https:\/\/www.myownadvisor.ca\/wp-content\/uploads\/2025\/02\/Retirement-Risk-Zone-300x139.png 300w, https:\/\/www.myownadvisor.ca\/wp-content\/uploads\/2025\/02\/Retirement-Risk-Zone-600x278.png 600w, https:\/\/www.myownadvisor.ca\/wp-content\/uploads\/2025\/02\/Retirement-Risk-Zone-768x355.png 768w\" sizes=\"auto, (max-width: 908px) 100vw, 908px\"\/><\/p>\n<p><em>Image Source\/Attribution to: https:\/\/www.adviservoice.com.au\/<\/em><\/p>\n<h3><strong>How to Navigate the Retirement Risk Zone?<\/strong><\/h3>\n<p>While there are many tactics beyond this post, I think think some key ones to consider are the following:<\/p>\n<ol>\n<li>While it may be tempting to tap CPP and OAS income sources early in retirement \u2013 delaying each could be better. By optimizing your recurring, inflation-protected, pension-like retirement income streams like CPP and OAS at start dates of age 65 and beyond \u2013 you could be rewarded with hundreds of extra dollars per month!<\/li>\n<li>If you have an RRSP (R), non-registered account (N), and TFSA (T) entering semi-retirement or retirement, you might want to consider <strong>an RNT drawdown order.\u00a0<\/strong>Tapping RRSPs\/RRIFs sooner than later could not only help you with your retirement income needs in your 50s and 60s, you can also \u201csmooth out taxation\u201d from the tax-deferred assets inside this account. You can read about a free case study from Ashley and Tim to see this in practice below.<\/li>\n<li>You should consider how dependable your income streams are in semi-retirement or retirement if the stock market falls by 10%, 20% or more. (I\u2019ll link to how long stock markets stay down later on in this post.) You might want to consider a cash wedge like Ashley and Tim have also done \u2013 they can ride out at least 1-year or so of really bad stock market returns without touching their RRSP portfolio at all.<\/li>\n<\/ol>\n<p><a href=\"https:\/\/www.myownadvisor.ca\/how-much-do-you-need-to-retire-on-6000-per-month\/\" target=\"_blank\" rel=\"noopener\"><strong>Case Study:<\/strong><\/a><\/p>\n<blockquote class=\"wp-embedded-content\" data-secret=\"MH86vAZOat\">\n<p><a href=\"https:\/\/www.myownadvisor.ca\/how-much-do-you-need-to-retire-on-6000-per-month\/\">How much do you need to retire on $6,000 per month?<\/a><\/p>\n<\/blockquote>\n<p><iframe class=\"wp-embedded-content lazyload\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; visibility: hidden;\" title=\"\u201cHow much do you need to retire on $6,000 per month?\u201d \u2014 My Own Advisor\" data-src=\"https:\/\/www.myownadvisor.ca\/how-much-do-you-need-to-retire-on-6000-per-month\/embed\/#?secret=KKvgxC9Fct#?secret=MH86vAZOat\" data-secret=\"MH86vAZOat\" width=\"600\" height=\"338\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe><\/p>\n<p>The financial challenges to the Retirement Risk Zone are many:<\/p>\n<p><strong>Market Risk \u2013 <\/strong>the years leading up to retirement are not the time for 100% high-risk investments. A stock market correction in this zone can really hurt your portfolio value. <a href=\"https:\/\/www.myownadvisor.ca\/weekend-reading-sequence-of-returns-risk\/\" target=\"_blank\" rel=\"noopener\">This is tied to some Sequence of Returns Risk.<\/a> Beyond being all stocks all the time, this is why I also tend to ignore recent market returns when I do my own calculations\/projections. Recent, higher portfolio returns of 20%+ for me including 2024 <em>are not common<\/em>. Instead, you may want to run some income planning reports that focus on more conservative returns along with modest to higher near-term inflation. (I use 5% returns and 3% inflation for my own income planning needs.)<\/p>\n<p><strong>Inflation Risk \u2013 <\/strong>ignore inflation at your peril. It\u2019s one of the many wealth killers along with taxation and financial fees as shared by Larry Bates.<\/p>\n<blockquote class=\"wp-embedded-content\" data-secret=\"fHWsFdtzKa\">\n<p><a href=\"https:\/\/www.myownadvisor.ca\/beat-the-bank-like-larry-bates\/\">Beat The Bank like Larry Bates<\/a><\/p>\n<\/blockquote>\n<p><iframe class=\"wp-embedded-content lazyload\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; visibility: hidden;\" title=\"\u201cBeat The Bank like Larry Bates\u201d \u2014 My Own Advisor\" data-src=\"https:\/\/www.myownadvisor.ca\/beat-the-bank-like-larry-bates\/embed\/#?secret=rV827rUhrD#?secret=fHWsFdtzKa\" data-secret=\"fHWsFdtzKa\" width=\"600\" height=\"338\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe><\/p>\n<p>To help fight inflation over time, at least consider a bias to owning more stocks than bonds and within that, some equities that fight inflation too.<\/p>\n<p><strong>Longevity Risk \u2013 <\/strong>failing to see retirement income planning as an ongoing process, two things could happen: 1. you could run out of money too soon (which would be terrible of course) but 2. you could also leave lots of money on the table thanks to a lifetime of market anxiety and subsequently chronic underspending.<\/p>\n<h3><strong>Summary: How to Navigate the Retirement Risk Zone<\/strong><\/h3>\n<p>The most successful DIY retirees I know take all these key factors into retirement income planning consideration: market forces\/drastic changes, inflationary pressures and potential longevity risk. This assessment work tends to occur long before retirement begins and long after retirement has started.\u00a0<\/p>\n<p>If you want to work through What-If scenarios in a low-cost way,<strong><a href=\"https:\/\/www.myownadvisor.ca\/helpful-sites\/\" target=\"_blank\" rel=\"noopener\"> I can help you whenever you wish including a discount just for being a <em>My Own Advisor<\/em> reader.<\/a><\/strong><\/p>\n<p>If you are working through your own spreadsheets and tools, all good too.\u00a0<\/p>\n<p>Aligned to my theme for this week, I see retirement as a continuous transition; the temperature and risks simply get turned up a few notches the closer you are to your retirement date and after. I look forward to sharing more details about how I embark on this transition during 2025.<\/p>\n<p>More news to come in the coming months. Thanks for reading.\u00a0\u00a0<\/p>\n<h3><strong>More Weekend Reading \u2013 Beyond Navigating the Retirement Risk Zone<\/strong><\/h3>\n<p>Part of my inspiration for this week\u2019s theme was from this post: <a href=\"https:\/\/ofdollarsanddata.com\/is-1-million-still-a-lot-of-money\/\" target=\"_blank\" rel=\"noopener\">$1 million is still a lot of money for any retirement.<\/a><\/p>\n<blockquote class=\"wp-embedded-content\" data-secret=\"R3XP8CYpnc\">\n<p><a href=\"https:\/\/ofdollarsanddata.com\/is-1-million-still-a-lot-of-money\/\">Is $1 Million Still a Lot of Money?<\/a><\/p>\n<\/blockquote>\n<p><iframe class=\"wp-embedded-content lazyload\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; visibility: hidden;\" title=\"\u201cIs $1 Million Still a Lot of Money?\u201d \u2014 Of Dollars And Data\" data-src=\"https:\/\/ofdollarsanddata.com\/is-1-million-still-a-lot-of-money\/embed\/#?secret=Qsk8bwhbAV#?secret=R3XP8CYpnc\" data-secret=\"R3XP8CYpnc\" width=\"600\" height=\"338\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe><\/p>\n<p>From the author Nick Maggiulli:<\/p>\n<blockquote>\n<p>\u201cWhether we are looking at changes in prices or overall wealth, $1 million isn\u2019t what it used to be. Today, you\u2019d need anywhere from $2 million to $4 million to have the same buying power as millionaires around the turn of the century. But, focusing too much on the raw numbers misses a bigger point.<\/p>\n<p>Because if I had to choose whether to be a millionaire in 1998 or today, I\u2019d take today every time. The issue isn\u2019t purchasing power, but\u00a0<em>the absolute level<\/em>\u00a0of goods and services that you can get today vs. 30 years ago. Though you could buy a better house back then with $1 million, just about everything else is better today.<\/p>\n<p>We have better technology. We have better healthcare. We have better entertainment options. We have better shipping and logistics. And so forth. The device you are reading this blog post on is multiple orders of magnitude more advanced than anything that was available in the late 1990s.<\/p>\n<p>When viewed from this perspective, $1 million goes further today than ever before.\u201d<\/p>\n<\/blockquote>\n<p>A Wealth of Common Sense blogger Ben Carlson wrote about <a href=\"https:\/\/awealthofcommonsense.com\/2025\/02\/the-perfect-level-of-wealth\/\">the perfect level of wealth<\/a>. From Ben:<\/p>\n<blockquote>\n<p>\u201cUnfortunately, many people never reach true contentment, no matter how much money they have.\u201d<\/p>\n<\/blockquote>\n<p>How long do stock market corrections last? <strong>It could be a year or more.<\/strong><\/p>\n<blockquote class=\"wp-embedded-content\" data-secret=\"e1TsFv8iD6\">\n<p><a href=\"https:\/\/www.myownadvisor.ca\/how-long-do-stock-market-corrections-last\/\">How long do stock market corrections last?<\/a><\/p>\n<\/blockquote>\n<p><iframe class=\"wp-embedded-content lazyload\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; visibility: hidden;\" title=\"\u201cHow long do stock market corrections last?\u201d \u2014 My Own Advisor\" data-src=\"https:\/\/www.myownadvisor.ca\/how-long-do-stock-market-corrections-last\/embed\/#?secret=0C3nsPHSCT#?secret=e1TsFv8iD6\" data-secret=\"e1TsFv8iD6\" width=\"600\" height=\"338\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe><\/p>\n<p>Finally, a reader asked me to link to <a href=\"https:\/\/www.theglobeandmail.com\/investing\/personal-finance\/taxes\/article-a-quick-briefing-to-get-you-set-up-for-tax-filing-season\/\" target=\"_blank\" rel=\"noopener\">this <em>Globe and Mail<\/em> article (subscription)<\/a> that included some tax-timing tips:<\/p>\n<ul>\n<li>Check your brokerage or financial institution starting now for relevant tax slips; consider online delivery of these documents.<\/li>\n<li>A reminder of these key dates:\n<ul>\n<li>Monday, Feb. 24: The Canada Revenue Agency\u2019s Netfile service opens, which means tax returns can be filed online.<\/li>\n<li>Friday, Feb. 28: The final day for employers to issue T4s and T4As.<\/li>\n<li>Monday, March 3: The deadline to contribute to a registered retirement savings plan for the 2024 tax year.<\/li>\n<li>Wednesday, April 30: The tax filing deadline for most people. If you don\u2019t meet the deadline, you could start incurring penalties if you owe money to CRA.<\/li>\n<li>Monday, June 16: The deadline for self-employed people to file their taxes. Any balance owing is due April 30.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><strong>Have a great weekend!<\/strong><\/p>\n<p>Mark<\/p>\n<div id=\"author-bio-box\" style=\"background: #f8f8f8; border-top: 2px solid #cccccc; border-bottom: 2px solid #cccccc; color: #333333\">\n<h3><a style=\"color: #555555;\" href=\"https:\/\/www.myownadvisor.ca\/author\/moa\/\" title=\"All posts by Mark\" rel=\"author\">Mark<\/a><\/h3>\n<div class=\"bio-gravatar\"><img loading=\"lazy\" decoding=\"async\" alt=\"\" src=\"https:\/\/secure.gravatar.com\/avatar\/11128b85a937d76cf828d4820e476dd2?s=70&amp;d=wavatar&amp;r=g\" srcset=\"https:\/\/secure.gravatar.com\/avatar\/11128b85a937d76cf828d4820e476dd2?s=140&amp;d=wavatar&amp;r=g 2x\" class=\"avatar avatar-70 photo\" height=\"70\" width=\"70\" itemprop=\"image\"\/><\/div>\n<p><a target=\"_blank\" rel=\"nofollow noopener noreferrer\" href=\"https:\/\/twitter.com\/myownadvisor\" class=\"bio-icon bio-icon-twitter\"\/><\/p>\n<p class=\"bio-description\">My name is Mark Seed &#8211; the founder, editor and owner of My Own Advisor. As my own DIY financial advisor, I&#8217;m looking to start semi-retirement soon, sooner than most. Find out what I did and how I realized Financial Independence to tailor your own path. Join the newsletter read by thousands. Always free.<\/p>\n<\/div>\n<\/div>\n<p><script async src=\"\/\/platform.twitter.com\/widgets.js\" charset=\"utf-8\"><\/script><br \/>\n<br \/><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Weekend Reading \u2013 Navigating the Retirement Risk Zone Hey Folks! Welcome to some new Weekend Reading about an important subject: navigating the retirement risk zone. This is another important subject to understand if you are considering semi-retirement like I am or full-retirement at any age. I\u2019ll link to a few past posts and related considerations [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":90559,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[93],"tags":[10977,3646,11077,11115,4766,1432],"dealstore":[],"offerexpiration":[],"class_list":["post-90558","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance","tag-navigating","tag-reading","tag-retirement","tag-risk","tag-weekend","tag-zone"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Weekend Reading - Navigating the Retirement Risk Zone - 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=90558\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Weekend Reading - Navigating the Retirement Risk Zone - Som2ny Network\" \/>\n<meta property=\"og:description\" content=\"Weekend Reading \u2013 Navigating the Retirement Risk Zone Hey Folks! Welcome to some new Weekend Reading about an important subject: navigating the retirement risk zone. This is another important subject to understand if you are considering semi-retirement like I am or full-retirement at any age. 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