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the person who scenario two who had a good run for the first few years ended up with 112 000 and in the scenario where you had a bad run for the first few years they ended up with a lot less so whats important to understand is the returns are real once you draw them out and the other thing is if you have bad years or down years what is your backup strategy to try to eliminate or minimize taking money out during down years at ib canada group we are your complete and independent source on the infinite banking concept serving canadians from coast to coast hello everyone my name is mike ross and im an advisor with ibc group and today im going to talk to you about sequence of returns well go through what is sequence of returns money versus math the impact of sequence of returns before and during retirement and some strategies to reduce sequence of return during your retirement years so as we start off were going to talk about money versus math and this is the actual versus the average