Explain Pension Drawdown Sequencing Risk Before I Retire

Average returns over thirty years hide a problem: a bad run right at the start of drawdown can wreck a pot that would have been fine on paper. Most retirement calculators do not surface this. This explains sequencing risk properly, using your own numbers, and stress tests your withdrawal plan against a genuinely bad early run.

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You are approaching retirement and plan to draw down your pension pot rather than buy an annuity. Pot size: {POT_SIZE}. Planned annual withdrawal: [withdrawal amount].
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<task>
**Explain**:
1. What sequencing risk is and why the order of good and bad market years matters more in drawdown than in accumulation
2. How a poor run of returns in the first few retirement years can permanently damage the pot, even if average returns over the full period look fine
3. Two practical mitigations (a cash buffer, flexible withdrawal rates) and how each actually works
4. What a stress-tested version of your stated withdrawal plan might look like under a bad early sequence
</task>

<output_format>
- Plain explanation of sequencing risk with a short illustrative example using the numbers given
- Two mitigations explained in practical terms
- One stress-tested scenario summary
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