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Exploring the Retirement Risk Zone
Research March 16, 2026 at 03:50 PM
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What You Need To Know
- Portfolio returns in the years right before retirement are more important to spending outcomes than those immediately after, our analysis shows.
- The impact peaks in the year before retirement and falls quickly — such that returns five years after retirement matter about as much as returns 10 years before retirement.
- Pre-retirees may choose to lock in their good fortune by buying future income rather than exposing themselves to lifestyle risk.
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