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Re:Ask HN: Software Engineer hitting 40: what's next? by rsanek on Saturday November 27, 2021 @04:49PM (#29363907)
The bond tent [0] is an elegant option to deal with sequence risk. It does mean though that you'll need to save a bit more to offset the years your money is out-of-market and not making those 7% returns.

[0] https://www.kitces.com/blog/managing-portfolio-size-effect-w...

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