Keep in mind that every day is the first day of the rest of your life. Therefore every day is the beginning of a SOR Risk.

This is a misconception. SORR occurs in the first few years of the withdrawal phase. Starting from the basic assumption that the future is no worse than the past, if you don't experience a poor sequence of returns early in the period, then your portfolio will grow large enough by about year 10 that SORR doesn't matter. Assuming also that your WR remains the same, adjusted for inflation.

There is fundamentally only one way to mitigate SORR, and that's do what you do did: Start enough with enough money such that your WR rate is so low SOR doesn't matter. The trade off though is either working more years or having a lower standard of living in retirement. But that's essentially what the 4% rule is. A WR so low that SOR doesn't matter, again using the standard assumption.

Retirement Investing FAQ

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