Retiring in an Uncertain Market (& Our Thoughts on Long-Term Care Insurance) – Episode 11

What are some things we can do if we approach retirement in an uncertain market? Should we be concerned? Should our retirement plan change?

In this episode, after answering a question that was sent in about long-term care insurance, that’s what we’re covering! Kendall and Phil are talking about the greatest risk during a down market, why having a plan for retirement keeps us from needing to fear dips in the market, the huge opportunity right now for investment accounts, and much more.

Thanks for watching!




Key Takeaways:

1) When considering long-term care insurance, it ultimately comes down to income. What do you have? And what do you need? Long-term care is a significant cost, so it comes down to considering and weighing the income you know will be coming in, as well as the money you will have already saved for retirement.

2) Dips in the market are not unprecedented. In fact, they’re actually quite normal! Circumstances surrounding a low market are always unique, but the dip itself is something that our country has consistently recovered from over the years. Don’t throw away the plan you have in place because these are the times when you need it most.

3) One of the biggest concerns in an uncertain market is the “sequence of returns” risk. This is such an interesting “phenomenon” of sorts that Kendall shared in today’s episode! The takeaway? Stay consistent and remember the basic principle of investing: Buy low and sell high.

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