This breakdown of ergodicity through the lump sum vs SIP comparison is brilliant. The idea that sequence risk only matters when you're actively contributing really clarifies why timing feels so different for accumlators vs retirees. I've been dollar-cost averaging for years without fully understanding why early volatility actualy helps me, and this framework nails it. The health analogy also lands perfectly.
This breakdown of ergodicity through the lump sum vs SIP comparison is brilliant. The idea that sequence risk only matters when you're actively contributing really clarifies why timing feels so different for accumlators vs retirees. I've been dollar-cost averaging for years without fully understanding why early volatility actualy helps me, and this framework nails it. The health analogy also lands perfectly.
Thank you for reading! So glad I could help a bit.