Stock Market Crash in Retirement - How to protect your future

The situation in Ukraine is creating waves in financial markets. If you’ve got time on your side, this could be a buying opportunity. But what if you’re about to retire? Or you’re already retired?

Retirees are especially vulnerable during the first few years of retirement. In this video, I talk through the systematic strategies you can implement to make retirement planning as stress-free as possible.

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This channel is for education purposes only and does not constitute financial advice - James is not responsible for investment actions taken by viewers. Please seek out a regulated advisor if you require assistance (while James is a financial adviser, he does not provide advice through this Youtube Channel, which is not affiliated with his employer).

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The author asserts their moral right under the Copyright, Designs and Patents Act 1988 to be identified as the author of this channel and any video published on it.

0:00 Intro
0:48 Sequencing Risk
4:46 Step 1
5:31 Step 2
7:19 Step 3

[JamesShack]

How lucky we are to be sat at home watching videos about retirement. Where a stock market crash is the worst of our worries. My thoughts go out to the people of Ukraine and all others affected!

[NoNonsenseJohnson]

Insane to think this info is available for free to regular people on YouTube. I appreciate your knowledge sharing. Even if it seems basic and easy. It’s only simple once you are taught.

[bighare]

The quality of content and the way you present it makes this the best channel for financial planning ideas. Thanks James, I have been waiting for this area to be covered. You nailed it.

[CarolinePicking]

You keep making videos that address my worst fears - and then you alleviate them! Thank you.

[omgomg]

Thanks Jame!!! We are super lucky to have you!!! Hope the situation in Ukraine, Siria, Palestine, ... improve soon!!!

[Peter-]

Hi James, thank you so much for this video, and your many others. I retired in August 2020 and have a significant drawdown amount. I have not really had a robust, stress-free method of managing the account up to now. With your video and a lot of research, I have now written down a plan with rules. I have also changed the portfolio structure to better manage the ups and downs. Once again, thank you so much.

[sense]

Thanks James. I'm about to turn 55 (this week) and my plan was to retire in early summer but the volatility over the last few months and then the war has led me to think now just isn't a good time. I've a (long arranged) meeting with my financial planner this Friday so, with the great info from this and other vids of yours, we've a lot to talk about.

[jrc]

The day I stumbled across these videos James was a real game changer.Proper hooked on your content.I definitely need an advisor as hoping to part retire at 55 in two years.Thanks again keep em coming 👌

[chuckmurray]

Of course this video is a year old but 2022 was a year where both stocks and bonds fell and there was no protection from losses. Hopefully, things will improve going forward.

[thelettera]

Can’t tell you how grateful I am for your excellent videos and explanations. I’m actually looking forward to sitting down with a spreadsheet and working out my retirement plan! Up til now I’ve just been ineffectually worrying

[alistairmackie]

This is an incredibly useful video. I'm a long way from retirement, but this has immediately put my mind at ease. I shall certainly look more into the topics you raised, to learn even more.

[kathythompson]

Everytime you drop a video it’s always a blast..powerful, thorough and Clean keep It up

[robertknott]

James - Great video for me as 57 and looking to retire in the next 5 years - Could you do a video for my kids shed 20 to 30 advising them on their investment plans as they are relatively new to investing 😄

[davidwarwick]

Though various taxes and rules vary from Australia, in general their information you pass on is very easily adapted. I would ( and do) recommend these videos to anyone approaching the retirement age. Absolutely the best on YouTube and I look forward to them each week.

[johnwilliams]

Great video James as per usual. Love your succinct, relatable content. This video of yours is highly pertinent to myself, 63, and my wife, 64.
Thankyou for delivering such delivering content which I find of a very high standard.
Would you consider doing a video of how best to hold cash in these inflationary times. (ie strategies for holding cash with an element of risk?).

[duttontube]

Another fantastic video. I'm still 20 years from retirement and an analysis strategy shift I've deployed has helped me manage these downward trends. In the past two years I fanatically tracked monthly gains, which was amazing. Now we are headed downwards I've shifted the analysis to look at monthly gains in ETF unit holdings. This has helped me get over the massive % gains and shift into a mindset of acquiring more units at discount. I'm now focused on unit accumulation Vs price increases helping me to stay in the market when the market is selling.

[flyngfsh]

Thank you for another great video with some very timely information!

[richardharnwell]

Not sure how I missed this one at the time, but another excellent video, thank you.

[mac]

Fantastic 2 rules to give 99% chance of money lasting - this is “one ring to rule them all & should be more widely known. Great videos that have shown me more than any paid advisor.

[TJE]

Refreshing to see a good video of sequencing risk!
Althought I cant help but think the rules are a tad over-engineered - all you need to do is use a percentage withdrawal rule and sequencing risk disappears