Reducing risk from 4% to 2% over a decade can amplify to double a nest egg over three to four decades due to compounding.

“even if you were just to look at a risk-based model that was short-term there's a significant benefit to reducing risk from four percent to two percent over a decade because even though that might only mean there's a two percent risk reduction over the next decade the amount that that amplifies over two three and four decades is amazingly counterintuitive”