Sequence Risk Revisited

1/1/2022: You were at 100, you presumed 8% a year, so on 1/1/2024, you projected to be 108 * 1.08 = 116.64.

Today: Your 100 will be at about 88 (using BlackRock’s LifePath targeted retirement fund). So to get to 116.64 (your projection) from here (88), by 1/2024, your portfolio has to rise by 32.55% over the next 20 months in order to “get on track” with your projections.

If you have taken this scenario into account, you get my congratulations.