@investordna: Before retirement: success is often about maximizing returns… After: it’s about minimizing the chance of running out. Planning at 4–5% isn’t pessimistic. It’s what gives you margin. Your retirement plan shouldn’t be built on your best returns. There’s real danger in building a plan that only works if everything goes right. A good plan should still hold up if: • the next decade underperforms • leadership shifts away from the U.S. • markets simply revert to average #RetirementPlanning #InvestingCanada #SequenceOfReturns #FinancialPlanning #InvestorDNA