3 ms·Assumes a long runway before retirement.by stvltvs 7mo agoAssumes a long runway before retirement.xenospn 7mo agoOnly if you sell your entire portfolio on the day you retire.stvltvs 7mo agoIgnores sequence of returns risks. Yes there are ways to soften the blow of poor performance during early retirement, but it's still bad news for anyone relying on their 401k.