The Retirement Dead Zone
See what a market drop in the five years before you retire can do to the income your savings can support.
What the dead zone is
The years just before and after you retire, roughly ages 62 to 72, when your savings are largest and you have the least time to recover from a loss.
Same five years, different ages
In this example, the same five market years cost you $53,279 by 67 if they hit at 45, and $112,817 if they hit at 62.
What it does to your income
A drop at 62 means about $5,200 less income every year, roughly $222,000 over your retirement, compared with no market drop.
Want to see how protected your plan is in the dead zone?
Call (720) 600-0820 or send us a message. No cost and no obligation.
Hypothetical illustration for educational purposes only. Not a projection or guarantee. Saving $600 a month from age 35 with an assumed 6% annual return, except for the five market years shown (hypothetical index price returns, excluding dividends, which would increase results). Income is the first-year amount, rising 3% a year, that an assumed 5% return could support to age 95, taken at the start of each year. Actual returns vary and can be negative. No fees, taxes or Social Security income are shown. Browning Insurance Agency LLC, Colorado agency license #615914.
