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A Market Drop at 67 Does Twice the Damage of One at 57. Here’s the Math, and the Buffer That Blunts It.

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FOMOGRAM Editorial Desk
Aug 4, 2026
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A Market Drop at 67 Does Twice the Damage of One at 57. Here’s the Math, and the Buffer That Blunts It.
EXECUTIVE SUMMARY

The same market drop produces vastly different outcomes depending on whether it lands while a portfolio is growing or shrinking, and the timing gap between those two states is narrower than most pre-retirees realize.

The same market drop produces vastly different outcomes depending on whether it lands while a portfolio is growing or shrinking, and the timing gap between those two states is narrower than most pre-retirees realize.

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