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
  construction, and timing flexibility

If you're within a decade of retirement, or already drawing an income from your ARF, this
is worth half an hour of your time. Enjoy!

🎙️ Find all the full podcast episode and 📖 Blog here: www.informeddecisions.ie/post/sequence-of-returns-risk-ireland 
📊 Want to check where you are? Try our free 5-minute Retirement Readiness Scorecard: www.informeddecisions.ie/pension-calculator 
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DISCLAIMER This content is for general educational purposes only and does not constitute
personalised financial advice. Everyone's situation is different. Always speak to a
qualified, independent advisor before making pension or investment decisions. Tax rules and
pension regulations change; figures quoted are accurate at time of recording.