Jay Malley

Sequence-of-Returns Retirement Slippage

Same average return, different order, can put you years behind. See the real spread from history.

Historical data: S&P 500 total returns, dividends reinvested. Not predictive. Not financial advice.

Worst historical outcome

$793,776

1929-1948

Median historical outcome

$1,854,090

1953-1972

Best historical outcome

$5,003,650

1980-1999

If 2026 holds, we're 4 years into a run where every year beat 5%. How extended is that, historically?

See how extended we are

I paid $100M to learn these rules

Here they are, free, before you pay the same price.