What if the market crashes right after you retire?

Same average return, same withdrawals — two very different endings. See how much the order of market returns matters.

Timing is luck. Order is math.

Enter your portfolio and spending, then watch the same returns produce two different retirements — depending on which years come first.

THE SEQUENCE GAP

BAD YEARS FIRST——

GOOD YEARS FIRST——

AVERAGE RETURN—identical in both runs

Same returns, opposite order. Watch the two paths diverge.

0 years

Year	Bad-first return	Bad-first balance	Good-first return	Good-first balance