Retirement withdrawal strategies in Ireland come with a fear that freezes people: retiring while markets sit at an all-time high. Should you? The record level feels dangerous, but it is not the risk that actually 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.

📖 Blog: www.informeddecisions.ie/post/should-i-retire-at-all-time-highs-ireland

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