Human capital and its importance for your retirement planning
What is human capital and why could it be important for your retirement plan? In the days of final salary...
Probability-Based or Safety First? In Which Retirement Income Camp Are You?
Over the last decade, two distinct philosophies have developed in retirement income planning: Safety First. This is the original, old...
How sequence risk or pound cost ravaging will affect your retirement (part five)
Should you hold more cash to minimise sequence risk? A common response to sequence risk is to increase the allocation...
How sequence risk or pound cost ravaging will affect your retirement (part four)
In your first day at financial adviser school, you learn that you can’t have a return without risk, and that...
How sequence risk or pound cost ravaging will affect your retirement (part three)
In my previous posts, I have explained sequence risk and how it might affect you. This week, I’ll explain how...
How sequence risk or pound cost ravaging will affect your retirement (part two)
Last week I set out what sequence risk is, and how it can result in different returns for retirement portfolios....
How sequence risk or pound cost ravaging will affect your retirement (part one)
For today’s retirees, sequence risk (also known as Pound Cost Ravaging) has become essential. We rely more heavily than previous...
The Marie Kondo Approach to Decluttering Your Retirement Budget
One of the most significant risks to a successful retirement is underestimating your expenditure. Get this wrong, and you could...
Income Replacement Rule of Thumb
The received wisdom in financial planning is that you should make sure that your income in retirement is more than...
How frequently should you get paid in retirement?
Technology is disrupting everything, it seems, with every day bringing change to something that feels like it’s always been the...