@rickythesteadyinvestor: You retire with $1.2 million—and stocks fall 25% during your first year. That’s a real risk. But you don’t need access to your entire retirement portfolio at once. By keeping near-term withdrawals in cash and short-term Treasuries, you may avoid selling stocks during the decline and give the long-term portion more time to potentially recover. The strategy doesn’t eliminate losses. It helps prevent panic from becoming the plan. Would a 25% drop delay your retirement? Educational illustration only—not individualized financial or investment advice. #RetirementPlanning #Investing #PersonalFinance #TheSteadyInvestor

The Steady Investor
The Steady Investor
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Saturday 26 September 2026 21:23:08 GMT
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user6269939297103
Guy :
I would assume you would have retired on the dividends generated by that 1.2. They would still be paying the same dividend
2026-09-27 20:53:32
1
haris.can.do.it
Haris :
That’s why I invest in blue chip dividend stocks. Right now I re-invest the dividends (and use them when I needed for renovations) … I’m an old-school investor, my investments should generate cash for me.
2026-09-27 16:31:52
2
jrrsims
Hanabi22 :
if that really happened, should Sarah consider taking some of her protected assets and put it into stocks to wait for the recovery?
2026-09-27 02:25:12
2
chris_blogpage
Kris Camila :
Retired at 56 with $10M
2026-09-28 01:47:22
3
elliotrowe
elliotrowe :
That’s why you shift a larger portion of your portfolio to bonds or money market
2026-09-27 09:28:30
7
skip58057
Skip :
Nah move 30% into a money market account. Keep the rest invested.
2026-09-27 00:27:26
6
jws1965
user1703982218137 :
I keep 3 years of yearly income in t bills on a yearly rotating schedule
2026-09-26 22:18:08
7
makoassaultt
makoassault t :
who still drinks labatt blue 🤣
2026-09-27 21:16:59
1
someoneyouknow506
SomeoneYouKnow 🇨🇦 :
Sequence of returns risk
2026-09-27 12:39:35
2
thankyouapple8
Average Joe :
Have two years of your annual income in cash that give you time to recover- these cashers are compressed and don’t last long.
2026-09-26 22:16:21
4
nsv00
N :
GIC Ladder and CPP/OAS will be my spending. Lean year, but other years will be more entertaining.
2026-09-27 01:30:09
7
ericburgmaier21
ericburgmaier21 :
Thank you for doing this in one video as compared to the other folks that take three parts in each part two minutes each and still never getting to the point
2026-09-27 01:48:00
7
wpickow
user7711816419814 :
That’s why you need to diversify prior to retirement to protect against that but also don’t retire as soon as you get the “I have enough”, you should wait a little longer and have a buffer in case of a draw down!
2026-09-26 22:42:32
10
dcviewsandnews
dcviewsandnews :
All your blue chip dividend stocks paing 4-5% are now paying 7-8% Huge win. No one shoudl care what the stock price is, it will always come back
2026-09-26 23:07:17
4
stefanambrus
Stefan.Am :
In Denmark the government decided that people should retire at 72 years , so no worries, most people will die before they reach retirement age, but also to ensure they don't have any money at all, they placed a 27% tax on any profits below 10k and 42% tax on profits above 10k a year... if this is not the biggest scam and a waste of life , i don't know what it is, it's modern slavery...
2026-09-27 07:39:49
5
tanisahofer
TanisaHofer :
That's why you buy bonds!!
2026-09-26 23:08:58
3
johnnyvegas33
JohnnyVegas33 🇨🇦 :
Target annual spend - (dividends + pension) = annual cash safety need. Annual cash safety need x 4 or 5 = cash safety wedge. The cash wedge in a 3-5 year GIC or similar ladder and savings account. Replenish wedge on market up years.
2026-09-27 08:08:22
7
ollie.joe.king
Ollie Joe King :
get a loan
2026-09-26 21:54:25
3
scooterboy747
Scooter boy :
Not a problem if they are all dividend stocks. Only an idiot would be in non dividend stocks at time of retirement.
2026-09-27 02:13:51
3
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