Broker Check

Market Minute with Wealth E&P - 10/3/22

October 03, 2022
Share |
Illustrating the Importance of the 5 Years Leading Up To and Following Retirement


October 3, 2022

Welcome to Wealth Enhancement & Preservation’s Market Minute, where we get to update you on everything that happened in the financial markets this week. My name is Darrin Cohen, and I am the CEO of Wealth E&P.

It was another rough week for the markets last week, with all three major indices down about 3%. Even the Bond index was down about 1% and significantly down for the year. However, if you’re in our All-Weather strategies, fortunately, we’re in a very low-risk proposition right now. We’re in the lowest risk levels we could possibly be at, so we’re losing only a very small fraction of the overall returns of the markets.

I wanted to talk today about the sequence of returns and the impact on performance in your retirement income years. As you can see in the chart below, we’re looking at a 60-year period, which is essentially your entire investment life.



This chart assumes you’re retiring in about year 30 of work. What we’re looking at is the impact on the success of your retirement income for each individual year. I have done the math for you: if you look at the five years prior and five years after retirement, about 75% of the overall impact of success in your retirement income plan is based on those ten years. If you’re thinking about retirement or you’re early on in retirement, this is a super important time period; it is much more critical than it is in the accumulation years to pay attention to market performance and volatility. It is vital to make sure we’re managing that in a very impactful way.

If you have any other questions about this topic, your portfolio, the economy, or if you want a risk profile or a retirement projection, please feel free to reach out, visit, or give us a call at (678)-739-0175. Otherwise, stay tuned for our Market Minute next week!


At Wealth Enhancement & Preservation, we are here to serve as your financial advisor and source of support in the Alpharetta, GA, Cartersville, GA, and Charleston, SC areas. Our advisors are dedicated to simplifying the complexities of the financial world and as your advocate, we strive to learn about your most valued goals and dreams. From individual investors to entrepreneurs, our services are designed for your success.


Contact Us:

Wealth E&P

(678) 739-0175

[email protected]