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Yes, Retirees and Near Retirees Can, and Should, Plan for Stock Market Crashes
Ken Steiner, FSA Retired Link to more items from this source
Apr. 20, 2020

"Depending on the reasonableness of the investment return assumptions baked into a Stochastic model, it can be a reasonable tool for assessing investment risk, but it is not necessarily an effective risk management strategy.  ... Monte Carlo models used by many financial advisors tend to underestimate the risk associated with investment in risky assets. ... [A] sustainable spending budget should be developed based on a comparison of all retirement assets and spending liabilities, and withdrawals from investible assets should be determined by subtracting income from other sources from the sustainable spending budget."

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