Prevent a Stock Market Crash ruining your retirement

This video looks at how you can prevent a stock market crash from ruining your retirement if you are retired or on the cusp of retiring. We explore what the seqeunce of returns risk actually is, give an example of how it works in practice and finally share three practical tips that you can use to reduce the risk of a stock market crash from ruining your retirement.

TIMESTAMPS:
00:00 Introduction
00:45 Sequence of Returns Risk and an Example
02:33 Step 1 - Diversify across asset classes
04:08 Step 2 - Use a withdrawal strategy
06:39 Step 3 - Consider holding cash which you could access in a crash

Resources:
Historical returns on US stocks and bonds from 1928-2023:

Performance of different classes:

DISCLAIMER:
The content in this video is provided for information and entertainment purposes. It should not be construed as direct or indirect financial advice. You must thoroughly research any potential financial or investment decision and fully understand the risks before taking it. If in doubt, you should seek Independent advice from a professional adviser. Tax rules and legislation is subejct to change. HM Revenue and Customs practice and the law relating to taxation are complex and subject to individual circumstances and changes which cannot be foreseen. The Financial Conduct Authority does not regulate tax planning. The value of investments and any income from them can fall as well as rise, and you may not get back the original amount invested. Past performance is not a reliable indicator of future performance and should not be relied upon.

[MENSA.lady]

My UK pensions are about as fireproof as they get. All three are financed by the UK taxpayer, not a private company. They are linked to the triple lock system so this month my annual increase was over 9%. Tough to find an investment that did better than that. Now, time to plan another Caribbean holiday.