Retiring at an All-Time High: What History Actually Shows

Is it risky to retire when the stock market is at an all-time high?

It's a question I get all the time, and the conventional wisdom is usually that you should worry about sequence of returns risk and protect part of your portfolio by moving money into cash or fixed income.

But what does the historical data actually show?

In my latest podcast episode I look at:

Why an all-time high does not necessarily mean markets are riskier

Why I don't believe sequence of returns risk is an issue in a 30-year retirement

What 150 years of market history shows about long-term retirement investing

Why adding cash or fixed income can reduce your long-term growth and retirement cash flow

When fixed income can still make sense — especially if it helps you stay invested during market declines

Why your ability to stay invested may matter far more than what the market is doing on the day you retire

How the 4% Rule fits into a long-term retirement strategy

Why following a proper Financial Plan is usually more important than reacting to market highs and lows