{"version":1,"type":"rich","provider_name":"Libsyn","provider_url":"https:\/\/www.libsyn.com","height":90,"width":600,"title":"Sequence of Returns Risk: Same ARF. Same Return. Totally Different Outcome","description":"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 \u20ac1m 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: \u2022 Why sequence of returns doesn't matter at all while you're still accumulating \u2022 Why the first ten years of drawdown can account for roughly 77% of your final outcome \u2022 How Revenue's 4%\/5%\/6% imputed distribution rules interact with this risk in an Irish ARF \u2022 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! \ud83c\udf99\ufe0f Find all the full podcast episode and \ud83d\udcd6 Blog here: www.informeddecisions.ie\/post\/sequence-of-returns-risk-ireland  \ud83d\udcca Want to check where you are? Try our free 5-minute Retirement Readiness Scorecard: www.informeddecisions.ie\/pension-calculator  \ud83d\udcc5 Find out how we work: 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. ","author_name":"Informed Decisions Independent Financial Planning & Money Podcast","author_url":"https:\/\/www.informeddecisions.ie\/the-blog","html":"