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RegExp("[?&]notifications=1(&|#|$)");"desktop"===y&&i&&b.test(window.location.search)&&(i.checked=!0)};ge("ybar-mod-notification",(function(e){var t={isUH3:"crunch"===e.getConfig().ytheme,notifContainer:document.getElementById("notification-container"),notifBadge:document.getElementById("notif-badge"),notifMenu:document.getElementById("ybarNotificationMenu"),notifMenuOpener:document.querySelector("#ybarNotificationMenu + label"),notifDropdown:document.getElementById("notifDropdownContainer"),tooltipContainer:document.querySelector(".".concat($n)),notifLabel:document.querySelector(".".concat(Xn))};t.notifDropdown&&so(e,t)}))}()}};]]>Vishesh RaisinghaniSat, January 17, 2026 at 2:30 PM GMT+1 5 min readWhenever the stock market wobbles even a little, some in financial media seem to panic, resurrecting the ghosts of 2008 and the dot-com bust of 2001.From cable TV to “Finfluencers” on social media, these financial voices know that talking about a 50% market crash is likely to generate engagement. But, unfortunately, this kind of coverage also generates anxiety among older Americans and retirees.Thanks to Jeff Bezos, you can now become a landlord for as little as $100 — and no, you don't have to deal with tenants or fix freezers. Here's howDave Ramsey warns nearly 50% of Americans are making 1 big Social Security mistake — here’s what it is and 3 simple steps to fix it ASAPI’m approaching retirement with no savings. Should I panic? Here are 6 easy ways to catch up (and fast)If you’re approaching retirement, you or your financial advisor may be frequently stress-testing your portfolio for a 2008-style drawdown in the stock market. But when Ben Carlson, a portfolio manager at Ritholtz Wealth Management LLC, took a look at the actual data, he found something surprising.“Bear markets and crashes are rare,” he wrote in a 2022 report for A Wealth of Common Sense (1). In fact, his data suggests that a truly catastrophic crash is so rare that many retirees might not live to see one in their golden years. And even if they do, their losses could be limited.Here’s the surprising data, as well as a secret formula you can use to alleviate any anxiety you may have about experiencing a dramatic financial crash in retirement.If you’re older than 30, you’ve probably lived through a few severe market downturns, including the dot-com bust of 2001, the financial crisis of 2008, the market correction during the pandemic, and the double-digit drop after Russia invaded Ukraine in early 2022.The dramatic nature of these events may have convinced you that the stock market can be volatile and unpredictable. And while that is true to a certain degree, Carlson’s analysis of market data going back to 1928 suggests the frequency and depth of these corrections is actually far less horrifying than you may think.A market crash of 30% or more has happened only 10% of the years between 1928 and 2021, according to Carlson’s analysis. A drawdown reaching 40% is even more rare, happening only 5% of the years during the same period.Simply put, if you’re 65 years old and you live to the age of 85, you have a very small chance of witnessing a 40% drawdown within those two decades. And, depending on your asset allocation, the damage that a once-in-two-decades crash could inflict on your personal finances could be limited.Terms and Privacy PolicyPrivacy & Cookie SettingsMore InfoS&P 5006,940.01 -4.46 (-0.06%)Dow 3049,359.33 -83.07 (-0.17%)Nasdaq23,515.39 -14.61 (-0.06%)Russell 20002,677.74 +3.18 (+0.12%)VIX15.86 +0.02 (+0.13%)Gold4,595.40 -28.30 (-0.61%)Trending tickersBTC-USD Bitcoin USD 92,572.46 -2,598.23 (-2.73%)ETH-USD Ethereum USD 3,235.54 -75.50 (-2.28%)XRP-USD XRP USD 1.94 -0.12 (-5.96%)BTC-CAD Bitcoin CAD 128,734.04 -3,613.18 (-2.73%)SOL-USD Solana USD 134.47 -9.29 (-6.47%)PortfolioSign in to access your portfolioSign inTop gainersIBRX ImmunityBio, Inc. 5.52 +1.57 (+39.75%)AGX Argan, Inc. 383.66 +54.00 (+16.38%)RIOT Riot Platforms, Inc. 19.23 +2.64 (+15.92%)ASTS AST SpaceMobile, Inc. 115.77 +14.52 (+14.34%)FIGR Figure Technology Solutions, Inc. 73.91 +9.00 (+13.86%)Top losersZGN Ermenegildo Zegna N.V. 9.56 -1.46 (-13.25%)SSL Sasol Limited 6.31 -0.84 (-11.75%)TLN Talen Energy Corporation 371.66 -47.41 (-11.31%)CEG Constellation Energy Corporation 307.71 -33.42 (-9.80%)GTM ZoomInfo Technologies Inc. 9.04 -0.97 (-9.65%)Most activeWMT Walmart Inc. 119.70 +0.50 (+0.42%)NVDA NVIDIA Corporation 186.11 -1.01 (-0.54%)IBRX ImmunityBio, Inc. 5.52 +1.57 (+39.75%)ONDS Ondas Inc. 12.14 -0.71 (-5.50%)INTC Intel Corporation 46.99 -1.28 (-2.65%)Top economic eventsEarnings eventsMy earnings eventsEarnings events