Sequence of Returns Risk: Same ARF. Same Return. Totally Different Outcome

Two people can retire with the same ARF, the same average return, and the same

withdrawal rate and still end up in completely different places. One leaves

over €1m to his family. The other runs out of money before he turns 88. The only

difference is the order in which the returns arrived.

In this episode, Paddy breaks down sequence of returns risk in Ireland. The risk

that gets far less attention than fund performance or pot size, but can matter

more than either.

What you'll learn:

• Why sequence of returns doesn't matter at all while you're still accumulating

• Why the first ten years of drawdown can account for roughly 77% of your final outcome

• How Revenue's 4%/5%/6% imputed distribution rules interact with this risk in an Irish ARF

• Four practical ways to protect your ARF: cash buffers, dynamic withdrawal, portfolio