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You spent 35 years saving and investing. You hit $1 million. You retire. Then the market crashes in year one. Fifteen years later, your money is gone, even though the market eventually recovered. This is sequence of returns risk. It is one of the least talked about dangers in retirement planning. And it can wreck…

If you spend any time in r/dividends, you have probably seen the same argument over and over: JEPI vs JEPQ. Both funds pay fat monthly dividends. Both use a covered call strategy to generate income. But they are very different animals. This guide breaks down the full JEPI vs JEPQ comparison to help you figure…