Apr 7, 2026
Welcome back to another episode of the 360 Money Matters Podcast!
In this episode, Billy and Andrew tackle one of the most overlooked risks in retirement planning and it's not about how much you save.
You can do everything right. Save diligently, live within your means, build a solid nest egg. And still run out of money sooner than expected simply because of when markets fall.
They break down why the first few years of drawing down your super are the most financially vulnerable of your retirement and what you can actually do about it.
If you're within 5 years of retiring, already retired, or helping someone who is, this episode could be the most important one you listen to this year.
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This podcast contains information that is general in
nature. It does not take into account the objectives, financial
situation, or needs of any particular person. You need to consider
your financial situation and needs before making any decisions
based on this information. This information is provided by Billy
Amiridis & Andrew Nicolaou of 360 Financial Strategists
Pty Ltd, authorized representatives and credit representatives of
Akumin Financial Planning – AFSL 232706
Episode Highlights
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Why sequencing risk can wreck your retirement even with a great average return
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How drawing down in a falling market locks in losses you may never recover
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The cash buffer strategy and why almost every retiree should have one
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The three-bucket approach: short, medium, and long term income planning
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The 4% rule and when it's okay to break it
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Why retirement is still a long-term investment, even when you're spending down
Connect with Billy and Andrew!
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