---
title: "Same plan, same average return: Different retirement paths"
description: Discover how two retirees, despite similar average returns, face vastly different outcomes due to the timing of market fluctuations and withdrawals.
---

[CSS Pension - Timewise ](https://csspension.com/css-pension-timewise)

# [Same plan, same average return: Different retirement paths](https://csspension.com/css-pension-timewise/same-plan-same-average-return-different-retirement-paths)

 Written by [CSS Pension Plan](https://csspension.com/css-pension-timewise/author/css-pension-plan-1) | Apr 15, 2026 2:00:01 PM

[View full post](https://csspension.com/css-pension-timewise/same-plan-same-average-return-different-retirement-paths)

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