Retiring Into A Market Crash…What Happens?

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Imagine retiring on Friday…

…and the market crashes on Monday.

Would your retirement survive?

In this video, I use the Simply Money Retirement Stress Test to simulate hundreds of retirement scenarios and show why when a market crash happens can be just as important as how big it is.

We’ll compare:

Moderate vs. aggressive portfolios
Sequence of returns risk
Selling shares vs. living on dividend income
Monte Carlo retirement simulations
Portfolio survival rates
Retirement confidence scores

You’ll also see why two portfolios with similar expected returns can have dramatically different retirement outcomes—and why income-producing investments can make a significant difference during bear markets.

If you’re approaching retirement, already retired, or building a retirement income portfolio, this is one of the most important concepts you’ll ever understand.

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Retirement Stress Test
DRIP Score

Available through the Buy Me a Coffee link below.

If you enjoy retirement planning, dividend investing, ETF analysis, and building reliable retirement income, consider subscribing.

Every ETF has a job, and every job has a purpose.

This video is for educational purposes only and should not be considered financial advice.

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00:00 What if the market crashes right after you retire?
00:27 Why sequence of returns matters
00:53 Portfolio Planner setup
01:42 Moderate vs. aggressive portfolios
03:10 Setting up the Retirement Stress Test
04:47 Understanding investment risk levels
06:33 Running the first retirement simulation
07:57 Moderate portfolio results explained
08:39 Behind the Monte Carlo simulations
09:31 Testing an aggressive retirement portfolio
10:49 Why early returns matter so much
11:30 What happens when volatility increases?
12:58 A worst-case retirement scenario
14:05 Income vs. selling shares during retirement
15:50 100% success rate with an income-focused strategy
16:12 Can a $400,000 portfolio survive?
17:23 Four terrible years in a row… then what?
18:28 Future Retirement Stress Test updates
19:02 Final thoughts
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Welcome to Simply Money — your source for ETF investing, dividend income, passive income, retirement planning, and financial freedom.

I break down real-world investing strategies using data, portfolio analysis, backtesting, and income projections to help you make smarter financial decisions.

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• Simply Money DRIP Score
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from Simply Money https://www.youtube.com/watch?v=BhR-hACbnms

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