Gemma Dale
speaker
925 appearances
2 recordings
2 series
first heard Jun 2026
last heard 18 Jun
Gemma Dale’s voice in public audio — every appearance, attributed to the second.
Trend
recordings per month · last 12 monthsRecordings per month over the last 12 months — 2 in all, peaking in Jun 2026 with 2.
Appearances
Yeah.
And so in COVID years, it's absolutely terrible.
And in other years, it's amazing.
And there's really good research that the year in which you retire, the first couple of years are absolutely critical to how long your money lasts.
So if you happen to retire just before a massive downturn, and a colleague of mine did this, retired just before the GFC, lost 40% of his portfolio in year one.
And he hadn't taken onto risk or anything like that.
He had a standard portfolio.
It was just an incredibly bad year in an anomalous sense.
It was such a standout year.
Wiped out his portfolio.
He had no opportunity to make it back.
He was back at work within 18 months.
And he was fortunate that he could do that.
Sequencing risk matters.
Those first few years really matter.
Whether you run out of super quickly or run out of money, all sorts of assets, whatever it is, really fast, or whether you get this lovely long-term return and everything's easy.
But putting that in a calculator is really difficult.
So people do have to be conscious that timing actually really does matter.
It's obviously very difficult to do.
Because you're withdrawing at the same time.
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