What to do when your emergency fund runs low
On page 1 of “Financial Planning for Dummies”, it tells you to create an emergency fund for a rainy day....
Should I be making investment changes right now?
Sometimes it can be hard to do nothing, mainly when so much seems to be changing – especially when it...
Diversification is the Answer; What was the Question?
While the current economic and stock market shock might be similar to others, and it’s tempting to imagine that investment...
Withdrawing Income from your Portfolio, Safe Withdrawal Rates and Market Downturns
In previous blog posts, I’ve commented on safe withdrawal rates. Your withdrawal rate is calculated by taking the amount you...
Taking comfort from history
Mr Podmore, history teacher and ace badminton coach at my secondary school, used to tell me that I would, one...
Warning: Scammers taking advantage of Coronavirus
There’s probably nothing that a scammer won’t try to capitalise on, and the feeling of panic which has been induced...
When markets fall, withdrawal rates can go up
We’ve previously covered the concept of withdrawal rates, and, in particular, safe withdrawal rates for retirement income seekers. One significant...
End of Year Tax Planning for Retirement Income Seekers
At this time of year, we are bombarded by reminders that the end of the tax year is coming. You...
Investment Risk in Retirement – Putting it all together
In the last few blog posts, I’ve considered various aspects of investment risk in retirement, looking at how risk is...
Measuring Retirement Capacity for Loss
There are two reasons why you should limit the amount of investment risk you might take: -You might not be...