Has dividend income failed you?
2020 has been a lousy year for dividends. 45% of UK companies have already scrapped dividends, and further cuts are...
Deferring State Pension – a good idea?
What factors should you consider when deferring State Pension? If you were born shortly after 6th August 1954, you would...
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...
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...
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...
How much involvement should you have in your Retirement Income Plan?
A lot of people take a greater interest in their financial plans once they have stopped work. It’s natural to...
Deciding how much investment risk you should take in retirement
In this post, I am going to look at how you should, ideally, decide on how much investment risk you...