A few years ago, if I had suggested that it would be sensible to consider how negative interest rates might...

Listening to this week’s Informed Choice Radio podcast, I was struck by how it related to income in retirement. You’d...

If you’ve been following my blog posts, you’ll be aware of the concept of the safe withdrawal rate. The safe...

The state pension has hit the headlines again in the last week, with the Centre for Social Justice proposing increases...

What is human capital and why could it be important for your retirement plan? In the days of final salary...

Over the last decade, two distinct philosophies have developed in retirement income planning: Safety First. This is the original, old...

Should you hold more cash to minimise sequence risk? A common response to sequence risk is to increase the allocation...

In your first day at financial adviser school, you learn that you can’t have a return without risk, and that...

In my previous posts, I have explained sequence risk and how it might affect you. This week, I’ll explain how...

Last week I set out what sequence risk is, and how it can result in different returns for retirement portfolios....