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...
When should you start planning for care in later life?
Care in later life can be expensive. It’s not unusual for care homes in our region to charge £5,000 per...
Seven Levels of Financial Independence
The concept of financial independence is closely associated with retirement; after all, if you aren’t financially independent, you probably won’t...