This is crucial for investing success! Be sure to understand what sequence of returns risk is!

[@pattufreefincal]

Tomorrow we will have a guest video from Fee only SEBI registered investment advisor Avinash Luthria of fiduciaries.in/ I have a lot of respect for Avinash's views. Be sure to watch it.

[@va9507]

There are all sorts of market gurus these days (and I respect them for sharing their ideas and beliefs). Not everyone would like to talk about the negatives of stock market as every other major issue can be ignored by using the most soothing word "Long Term". You have chosen a different path to educate people on what should be done and most importantly what should be IGNORED when it comes to managing money. Thank You for doing all the hard work and sharing the actual facts.

[@pattufreefincal]

Thank you

[@tmk4u]

Mind blowing facts... Not even eye opener but it's a Mind opener also..!! You are super genius sir.. Life is not an excel sheet in reality..

[@jainayak666]

I was looking for the answer to exactly the SWP question. I was thinking about starting an SWP for my mom and sister (which would help me focus on my FF, at least), but obviously not in mutual funds that follow that sequence of returns. More like debt funds. This was an eye opener, however. In terms of the sheer brutality of the SWP plan. I'm surprised as to how little of these answers are on YT, in general. Thank you for this!

[@shivkumarpatil1986]

Sir, Your content is extraordinary but your videos get less views compared to other youtubers who create garbage videos and get laks of views and likes. Hats off to you for making quality content.

[@pattufreefincal]

Thank you

[@rommelpeters30]

Hats off to you Pattu sir. This video has given me more reasons to rebalance my portfolio. Thank you

[@jeganathanarumugam]

This is scary, understanding this risk is crucial, thank you Pattu Sir

[@kprabhu1986]

I would have never thought about this. Scary but very very important factor in planning. Thanks a lot, Sir for sharing this!!!

[@trial8358]

The initial expenses are 7% of the corpus. It should be less than 4% for a sustainable corpus. During a down-market, guard rails should be put in place and expenses should be cut down to no more than 6% of the corpus.

[@shubhenduverma6956]

The more I watch your videos the more I want to stay away from equity! :D so what are the solutions?? 1. Proper Asset allocation?? 2. Low volatility fund?? 3. Profit booking?? 4. Goal based investing?? 5. Emergency fund?? 6. A steady source of income/ 2nd source income?? 7. Leave everyone and go to the Himalayas and meditate and become a yogi!! :D

[@pattufreefincal]

All of them

[@tamalt4604]

LOL for # 7

[@TheWandererAbhi]

wow. this is really very informative. I am new into MF investment. this has really opened the thought process.

[@durgaprasadrachakonda1887]

Hello pattu sir, I have little bit confusion how if impacts when market down. Now it cleared, made me eye opener actual risk involved in this. That's why there is badly need of balanced ratio bw equity and deby/Liquidity. Thanks for such valuable information...

[@RavindraJuyal]

Useful info. Thank you. In the proposed 'How to reduce risk in retirement portfolio' video, please include your thoughts in including Annuity as part of retirement mix to reduce effects of 'sequence of returns risk'.

[@pattufreefincal]

I will be doing a new series on that

[@Rajasekar-st1xb]

Much needed for current situation...

[@satishvaidya5014]

This videos is assuming investing route as lumpsum why not take SIP or monthly investment. Here is where the SIP or manually investing monthly pays off. Can you do a video with monthly investments?

[@chandramohans.7628]

Awesome video. All "except you" will focus the giant corpus of Rs.98,59,415/- (nearly double the investment) after 15 years which is half truth. After destroying the corpus for continuous 11 years, only in the last 4 years investment doubles. Nobody can bear 18% loss of retirement corpus in the first year itself. It is a vigorous warning. Being retired, I take it personally to me. "How to reduce the risk link" applies to young investors to re balance. What about retired? I am low risk investor, had seen the video about balanced advantage fund. Whether investing the corpus in "Balanced Advantage Fund" is safe in this situation of sequence of return risk, warned by you

[@pattufreefincal]

All of them are subject to such risks. I have an ebook for retirees that you can read freefincal.com/e-book-post-retirement-income-generation-strategies/

[@chandramohans.7628]

@@pattufreefincal - Downloaded. Thank you.

[@naruait]

Amazing Video. Very good illustration 👍

[@TheHotkid87]

Eye opening video... Bouncer between 5:00 to 7:00 minutes :D

[@pattufreefincal]

If r1, r2, r3,...r15 are the 15 annual returns (1+r1) x (1+r2) x ...x (1+r15) = (1+ CAGR)^15 Here ^ means to the power of. 2^2 =2x2 = 4 and 2^3 = 2x2x2 =8 CAGR =10% as calculated

[@rahimkdhanani9535]

Eye opener!!

[@dhirajsanil]

Hybrid funds are better for retirement?

[@pattufreefincal]

I cannot answer vague questions.

[@santunubhaduri5353]

Gr8 sir..