@_.new_year._2025: отмечай🎄❄️#снееег#атмосфера #красота #newyear #зима #новогоднийвайб #новыйгод #хочуврек #говрекомендации #реееек #давайврек #рек #пжврек

❄️🎄новогодний вайб ❄️🎄
❄️🎄новогодний вайб ❄️🎄
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Region: BY
Sunday 08 October 2023 12:58:30 GMT
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toca.milka147
Lerkisss_💗✨ :
это Томск?
2026-08-07 08:12:09
1
kamarik_loves_43
🕸 :
зимой и погулять с подругой, девушкой для пацана это выйграли жизнь
2026-07-22 20:47:49
1
asfjia1234
соня я✌🏽 :
Я хвора😭
2023-11-27 10:30:28
0
user6031623941831
машка бож💓 :
ПОДУМАЛА О ТЕБЕ И ПОШЕЛ СНЕГ!!! 💋
2023-12-15 07:58:30
0
ant_omg
ant_omg :
Я ТОЖИИИ
2023-11-27 07:16:17
0
love.diana16
Лучшая🎉🙈 :
не с кем 🥺 ну так бы хотелось. а с лучшей подругой мы больше не лп
2023-10-08 19:18:42
2
nyshtoeto
🚨🚨🚨🚨🚨🚨 :
мы уже вчера погуляли так и завтра пойдемм , а потом в четверг , падем смареть 5 черию сп
2023-11-28 04:45:57
4
_shoo0_0
шу :
@всехкогонеотметили
2023-10-08 17:42:22
0
djdhxjax
dss. :
Хочу надеюсь когда то нибудь сбудится
2023-12-30 14:05:56
0
beka13.03.25
!?. :
Около жаным я тоже🥰
2023-12-30 11:44:07
1
why49319
why? :
а я с етим автором@🥰😜🙁
2023-11-26 20:25:38
0
vika_395v2
★Vika★ :
🥺😩😫я одиночка
2024-01-03 06:54:44
0
user2184745047131
user2184745047131 :
я мальчик
2023-11-13 18:59:30
0
golovastikkk_0
. :
Я бы хотела но я болею😔 и неским😔
2023-11-29 19:29:00
0
katosik_73
𝑽𝒊𝒔𝒉𝒌𝒐🍒 :
@сонч @j'aime Jägermeister @морозяк𒉭 @🥷 @11:11 @Ꭺ🥷🏻
2025-07-02 21:18:56
7
kkk21024
$$культ вонхи$$ :
@куль @Milkys
2026-08-12 10:59:51
1
user1774068416760
Софка🫶🏻 :
@Милана Соловьева го
2025-07-05 09:20:48
1
user_13589n
Nika_💋 :
@❤️🎀 @Волейболисточка❤️ @lerkiss @nasta💋
2025-10-08 13:13:08
3
albinysik
albinysik💞 :
@Aliniks💫 @аня^^ @exууу_👻
2023-12-23 06:39:38
2
s1va___
шизаNyashko :
@Кареглазая❤️‍🩹
2025-09-23 07:24:29
2
zuli4la1904
@Zulaaaa :
@✞kiss me✞ ,@Nadiya
2025-10-09 15:07:47
2
no_me082
Карлик :
@...
2025-09-26 13:12:50
1
d360394
тигрица💞 :
@😈Ҕαδαύӄα😈 и бегдаш
2025-09-28 13:21:18
1
xx_08sse
xx_08sse :
@💔
2023-12-17 16:49:14
3
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The order your returns arrive in matters more than the average That's how much your first decade decides everything. A bad market at 65 does damage a bad market at 80 never could Michael Kitces' term. **danger zone**, from his October 2016 piece on the portfolio size effect, and his window is the final decade before retirement and the first decade after. Ten and ten, not five and ten. **The clarification, on the 0.79.** That correlation is real and it's Kitces' own, from October 2014. But it's specifically between the real equity returns of your first decade and the **30-year safe withdrawal rate** on a 60/40 portfolio. Not
The order your returns arrive in matters more than the average That's how much your first decade decides everything. A bad market at 65 does damage a bad market at 80 never could Michael Kitces' term. **danger zone**, from his October 2016 piece on the portfolio size effect, and his window is the final decade before retirement and the first decade after. Ten and ten, not five and ten. **The clarification, on the 0.79.** That correlation is real and it's Kitces' own, from October 2014. But it's specifically between the real equity returns of your first decade and the **30-year safe withdrawal rate** on a 60/40 portfolio. Not "whether your money lasts," which is looser than what he measured. His verbatim line: the correlation "spikes to a whopping 0.79, with a clear predictive trend." For comparison, full 30-year real returns correlate only 0.43. Your first decade predicts your outcome nearly twice as well as your whole retirement does. The case study is New York Life's, from July 2017, and I checked every figure. 1974 retiree, depleted after 19 years, $2.2 million of lifetime spending. 1975 retiree, lasted 30-plus, funded $3.6 million, left over a million behind. Nearly identical average returns. Wade Pfau's numbers are his own too. A 50/50 portfolio averaged 5.08 percent real, but actual sustainable withdrawals ran from 4 percent for the 1966 retiree to 9.8 percent for the 1982 one. That entire spread is order. All of this is US data. There's no Canadian equivalent study, and I'd rather say that than imply one exists. You can't pick which market you retire into. You can pick how exposed you are when you get there.

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