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Sequence of Returns Risk
Articles, guides, and analysis from Perissos Private Wealth on sequence of returns risk — a hub for everything we've published on this topic.
What 'Active Drawdown Management' Actually Means
Active drawdown management is a documented process for handling portfolio losses while funding retirement. It uses written rules for liquidity, risk changes, and spending adjustments rather than promising to avoid los
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The 4% Rule Is Dead: What Replaces It in 2026
The 4% rule is dead: Why a static withdrawal rule is giving way to monitored guardrails, flexible spending, and better conversations about regret. Discover the shift from 1994 formulas to dynamic income planning.
The Hidden Costs of "Buy and Hold" for Retirees Drawing Income
sequence-of-returns risk: While buy and hold works for savers, retirement changes the math. Discover why the order of investment returns can impact your portfolio's longevity once you begin taking distributions.
Modern Portfolio Theory Has Real Limits — Here's What HNW Investors Use Instead
Modern Portfolio Theory is a useful diversification framework, but it can miss taxes, liquidity needs, household obligations, and sequence risk. For high-net-worth investors, a broader planning process starts with cas
Stress-Testing Your Retirement Plan With Monte Carlo Analysis
Monte Carlo analysis can stress-test a retirement plan by modeling many possible return paths instead of assuming steady annual gains. The more useful question is how spending, time horizon, and early losses could cha
Sequence-of-Returns Risk: Real Examples From 2000, 2008, and 2022
A retirement portfolio can survive a bad year, but it may not survive a bad year at the wrong time.
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COMPREHENSIVE PLANNING AND PROFESSIONAL INVESTMENT MANAGEMENT
Making the Retirement Leap in 2023
Planning for retirement is something you’ve probably been doing for a good part of your working life. Making the leap requires getting the timing right.