@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
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
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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
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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
Kris Camila :
Retired at 56 with $10M
2026-09-28 01:47:22
3
elliotrowe :
That’s why you shift a larger portion of your portfolio to bonds or money market
2026-09-27 09:28:30
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Skip :
Nah move 30% into a money market account. Keep the rest invested.
2026-09-27 00:27:26
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user1703982218137 :
I keep 3 years of yearly income in t bills on a yearly rotating schedule
2026-09-26 22:18:08
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makoassault t :
who still drinks labatt blue 🤣
2026-09-27 21:16:59
1
SomeoneYouKnow 🇨🇦 :
Sequence of returns risk
2026-09-27 12:39:35
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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
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
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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
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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
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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
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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
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TanisaHofer :
That's why you buy bonds!!
2026-09-26 23:08:58
3
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
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Ollie Joe King :
get a loan
2026-09-26 21:54:25
3
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
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