The 5 Years That Will Make or Break Your Retirement

You can do everything right for 30 years—max out your 401(k), choose low-cost investments, and resist the urge to sell during panic—and still run out of money. It sounds unfair, but the market does not care about fairness. It cares about timing. Most investors obsess over their average annual return. They assume if the market averages 8% over the long haul, their retirement plan works.

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