First documented in January 2010 on Forum. Currently active and in regular use across social platforms since 2010.
Sequence of Returns Risk - retiring into bear market devastates portfolio more than average returns suggest. Selling stocks when down locks in losses. Example: 2022 retiree withdrawing 4% during -20% year vs 2019 retiree before bull run. Mitigation: bond tent, lower withdrawal rate first years, flexible spending, part-time work buffer. Biggest FIRE movement risk.
Sources: Personal finance forums, investment research
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