One key to a successful retirement, or any financial plan, is being able to handle the surprises.
You don’t know when the surprises will come or what they will be, but you can bet retirement will have surprises. A sharp market downturn is one possible surprise. A wide range of large, unplanned
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expenses also is possible: home repairs, auto repairs or replacement, large medical expenses, help for children or other relatives and more.
What these surprises have in common is that they create a sudden need for cash beyond your regular monthly expenses. Or, in the case of a market decline, a source of cash is impaired. A good retirement plan includes several options for coming up with the cash these surprises require.
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Of course, you have a nest egg of investments, and some investments could be sold to raise cash. But selling investments often isn’t the most desirable move.
When markets are down, you usually don’t want to sell investments. Assuming you don’t think the decline is permanent and you’re a long-term investor, the better strategy is to hold the investments. You don’t want to sell at or near the bottom of a market downturn to raise cash only to see the investments