Timing is everything. In sports, certain timing can make the diﬀerence between winning a championship or being a runner-up. In comedy, it’s essential to deliver a joke for maximum impact. And with life in general, timing creates countless eﬀects, like nearly avoiding an accident or running into your to-be spouse at the park.
The point is, timing is critical in just about everything we do, and in retirement it’s no diﬀerent. In fact, the argument could be made that timing is even more important in retirement. It can either make or break the goals you’ve worked decades to achieve. So how can timing in the markets, or the “sequence of returns” on a portfolio, aﬀect one’s retirement? The answer may surprise you