Sequence of returns risk is: ... OA. the risk that the portfolio has three or more years of negative returns before there is a year of positive returns. O B. the risk that your portfolio experiences negative rates of return just as you begin making retirement income withdrawals from the portfolio. OC. the risk that you do not take into account the real rate of return. O D. the risk that you may not be able to sequence your returns properly due to a cognitive impairment.