Blog 134 – Is Your 401(k) Actually Safe? The Risk Nobody Puts in the Brochure
You have been contributing faithfully for years. The balance grows. You feel good about it. And then — the year before you planned to retire — the market drops 35%. Your $1.4 million becomes $910,000. Overnight. With no way to undo it.
There is a specific name for the risk that causes this. Most financial advisors have never said it out loud in front of a client. Once you hear it, you will understand why the timing of market returns matters far more than the average return — and why that distinction is the most important thing nobody told you about your 401(k).