Should you retire with the market at an all-time high? In Ireland, the record level feels dangerous, but it is not the risk that decides your outcome.
In this episode, Paddy asks whether retiring at an all-time high is really the risk Irish savers fear, or whether the thing that decides your outcome is something else entirely.
What you'll learn:
• Why all-time highs are common, not a warning: global equities sit at or near record highs on roughly a third of trading days
• What Japan's lost decades really warn against: concentration in one market, not equities themselves
• A sequence-of-returns case study: how two retirees with the same €1.2m and the same average return finished €1.25m apart
• The Irish nuance: why Revenue's imputed distribution makes the buffer inside your ARF matter more than any market call
If you're within a couple of years of drawing down, and the timing has you worried, this episode is for you.
🎙️ Full podcast episode and 📖 Blog: www.informeddecisions.ie/post/should-i-retire-at-all-time-highs-ireland
📊 Want to check where you are? Try our free 10-minute Retirement Readiness Scorecard: https://www.informeddecisions.ie/pension-calculator
📅 Find out how we work: https://www.informeddecisions.ie
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.
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