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At close · Fri, Aug 14, 2026
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HomeETFs & FundsFund IndustryHow to plan for market drops around retirement

How to plan for market drops around retirement

A MarketWatch reader with $1.4 million aiming to retire in five years asked how to prepare for potential crashes near retirement.

MarketWatch fielded a reader question from someone who is 56, has $1.4 million, and plans to retire in five years, asking whether they should relocate to California, New York, or overseas.

The reader also asked how to prepare for market drops or crashes, specifically around the period just before or after retirement, as part of their broader planning decision.

MarketWatch framed the issue around retirement timing and market risk during a high-stakes window.

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