DMI · Retirement Risk Tool

Same returns.
Different order.
Opposite endings.

Two retirees. Identical average return. Identical withdrawals. The only difference is the order the good and bad years arrive — and it decides who runs out of money. Watch the two paths diverge.

What happens over 25 years

Portfolio balance over time for two return sequences
Bull Market Early Bear Market Early
Show the year-by-year math
AgeBull returnBull balanceBear returnBear balance

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