FYI: In this December 2018 article, I called attention to the challenges of aiming for a savings target at retirement while taking stock market risk. The prevalent approach of saving a fixed percentage of income every year can miss the retirement target by a wide margin, but adjusting annual savings contributions can run into problems as well. Here, I’ll introduce new ways to measure the performance of pre-retirement strategies, test two new strategies and discuss the potential for more sophisticated approaches
Regards,
Ted
https://www.advisorperspectives.com/articles/2019/03/25/the-hidden-risks-of-equities-when-saving-for-retirement-part-2
