YEAR 1 OF 25

Retirement Timing Risk

Your retirement doesn't care about your average return.

It cares about the order.

The exact same market, the exact same average return — but a crash in year 1 of retirement can permanently break an account that a crash in year 15 barely dents.

See what a rules-based, cushioned drawdown changes about the math.

Illustrative retirement withdrawal model. Not a prediction.

🏆 Audited against 1,500+ funds

Platform details, risk disclosures, and assumptions

🏆Bitcoin Magazine's #1 crypto platform, audited vs 1,500+ funds

📈Historically outperformed Bitcoin buy-and-hold since Dec 2020 (past performance not guaranteed)

🔒$200M insured custody — assets held in your name

✅Zero-conflict fees: we only earn when you grow

This tool illustrates a well-documented retirement-planning concept ("sequence of returns risk") using a simplified, hypothetical withdrawal model with stylized assumptions. It is not a projection of your actual results, does not use your real account data, and is for educational purposes only — not financial, tax, or investment advice. Past performance is not indicative of future results.

IRA Research Hub is an independent research and comparison platform. We are not a licensed financial advisor, broker-dealer, or investment advisor. Crypto investments involve significant risk, including the possible loss of principal. Always consult a licensed professional before making financial decisions.