You are more vulnerable to losses if you are within 1 year of retiring.

This is often referred to as the ‘unlucky’ years to retire; the years when the market is in negative territory.

You can’t control those years so how do you mitigate the risk? Make sure you have 3 years of income in guarantees as you approach or if you have just entered retirement. That way, if markets correct at the wrong time for you, you’ll have time to let your portfolio recovery without having to cash in and make withdrawals at the bottom.

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