During accumulation the order of your returns doesn’t really matter, but when you are distributing or
using your money it matters a lot!
So what do we do? We don’t know how to predict the future or when we are going to have negative
years. The good news is there is a way to protect yourself from this possibility.
Its called a volatility buffer. That’s just a fancy way of saying you have to have some of your money in a
safe bucket that cant go down even if the markets go down.
This way we allow our portfolio time to replenish itself and don’t take money from the portfolio in down
The Institute of Financial Wellness wants every American to maintain a volatility buffer during
distribution. Make sure you have that safe bucket so you can live your very best life