Don’t Let the Market Ruin Your Retirement.

Unlucky investors on the wrong side of a market return sequence can protect their portfolios by reducing the size of their retirement account distributions, especially from stock holdings. The sequence of returns "can make a difference between having enough money to last throughout your life span or running out of money or cutting back on the lifestyle you planned for", says Amy Arnott, a portfolio strategist at Morningstar. FUNDAMENTALS AFTER SQUIRRELING AWAY money in a 401(k) or IRA for decades, the last thing you need is a stock market downturn at the start of your golden years. [Extracted from the article]