Frederick W Rosenberg JD

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    fredrosenberg45@optimum.net

    973-761-8866

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    Volatility: The Enemy of Long Term Retirement Planning.

    "Volatility" refers to the propensity of a stock or index's market growth rate to diverge up or down from its average growth rate over time. Assume for discussion that the SP 500 has an average growth rate of 10% with a standard deviation of 15%. Standard deviation is a principally a portfolio measurement; it is both added and subtracted from the 10% average return to determine a likely outcome range. In this example, an investor can anticipate performance ranging in any s

    Sequence Risk may be a Retiree's Biggest Risk Overall.

    "Sequence Risk" or "Sequence of Return Risk" applies to equity accounts burdened by fixed distributions. If Negative or even flat returns occur in the early years of withdrawals, long-term sustainability of the distributions will be permanently impaired. In short, lose money early and you will run out of money years before you planned. This is called Sequence of Return Risk and it only applies to accounts in distribution like retirement accounts. Google the term for broad

    Frederick W Rosenberg JD

    fredrosenberg45@optimum.net

    973-761-8866

    27 Village Green Ct
    South Orange, NJ 07079
    USA

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