03/31/2026
Market downturns are stressful for every investor.
But in retirement, they can feel especially uncomfortable.
When you’re still working, a market drop is frustrating — but you’re still saving, still investing, and time is on your side.
In retirement, things are different.
There’s no paycheck replacing income. Withdrawals are happening whether markets cooperate or not. And every decline suddenly feels much more personal.
The key to staying calm during these periods isn’t just “being disciplined.”
It’s having a plan that makes discipline easier.
In this week’s article, I explain how retirees can structure their portfolios and income plans to stay on track during market downturns — including:
• Why volatility isn’t the same as permanent loss
• How bucket strategies help protect retirement income
• Why guardrails can make spending decisions easier
• What disciplined investors actually do during downturns
If retirement is approaching (or already here), this is an important read.
The link to the article is in the first comment.
