There are some risk considerations that we should be aware of when we are spending down our assets. The majority of the folks are at a stage where they focus on wealth accumulation, but, what I realize is that the considerations when you reach the stage of withdrawing part of your wealth from your wealth assets are very different. The failure to understand this may cause a serious impact on your retirement or financial independence plan. In this article, we try to define what is the sequence of return risks and their impact on your plan or considerations that you need to put in place due to this risk. Generic spending considerations for your wealth fund Most would see their wealth objectives to meet a particular spending goal in the future when they stop working. We can call this stage retirement or financial independence.  You spend a large part...