<prompt> Human: Theyre about 1-2 years from retiring. They have expressed disinterest in reallocation to lower risk funds because the returns are less. Hypothetically, if the dow dropped 5k over the next year, and they begin their retirement, could they just ride out the downswing or would they be in a really tough spot I dont have exact numbers but lets say they have 1mil in todays value and their home is paid off  <response>: Sequence risk is one of the biggest risks to retirement investing, read some on that and bond tent. 