The Sequence of Returns Risk – Made Simple!

06/19/2017 - 2:00pm America/New_York

How many of your clients are ready to retire? 

When planning for income, consider how the sequence of returns risk could impact a portfolio’s value over time. This bull market turned 8 years old on March 9th 2017 and sequence of returns risk has become a distant memory to many. 

Clients entering into retirement and ready to take withdrawals from their portfolio should be cognizant of sequence of returns risk. This can be an issue because the risk of receiving lower or negative returns early in a period when withdrawals are make from a portfolio can deplete that portfolio much faster. For those living off of the income and capital of their investments this should be a primary concern. There is evidence that your clients are concerned and unprepared, a March 2017 USA today article showed that: 


  • 3 in 10 U.S. workers say they feel mentally or emotionally stressed about preparing for retirement 
  • 6 in 10 Americans said they have saved for retirement 
  • 4 in 10 have calculated how much income they will need in retirement 
  • 1 in 10 have prepared a written plan for retirement 


Join us to hear an easy way to explain sequence of returns risk and how to position annuities as an answer to sequence of returns risk.

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