Why Timing Matters More Than Growth: How Sequence of Returns Risk Could Break Your Retirement in 2026

Frank L Day

Published on: 25/03/2026

If you’ve spent any time talking to a traditional Wall Street broker, you’ve heard the "Average Return" sermon. They point to a colorful chart, show you that the S&P 500 has averaged roughly 10% over the last century, and tell you to "buy and hold"