One rule underneath both stories
Match the plan to the order, not the average
Sequence risk bites hardest when your pot is biggest relative to the money moving. Biggest early for a retiree, biggest late for someone still buying.
01
Match the plan to the order, not the average. Still buying, an early crash helps. About to draw income, it is the risk.
02
Near the drawdown line, keep a buffer so you never sell into the first bad year.
03
Know how much early red you can sit through before the market asks you the hard way.
How much early red can you actually sit through. Find out on a calm morning.
rupeecase.com/risk-profile