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Retirement ruin isn’t something that’s pleasant to think about. But unless we have a high enough guaranteed income for life, funding our lifestyle depends on maximising the probability of success. Old-fashioned retirement calculators ignored uncertainty, and predicted exactly how long
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Many people wrote off annuities due to the abysmally low rates on offer in recent years. Lifetime annuity rates are driven by long-term interest rates, which had been in steady decline until recently. But now short- and long-term interest rates
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Monte Carlo simulation is a modelling technique that’s useful in many areas, including physics, engineering and finance. If a process depends on multiple random variables, it can be impossible or impractical to calculate the odds of different outcomes. The Monte
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When you use the EvolveMyRetirement® app for the first time, you’ll no doubt have an initial emotional reaction to the resulting optimisation. This reaction depends both on the state of your finances and on your prior expectations. Unlike most retirement
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A target-date fund is a type of managed fund where the plan is to sell it on a specific date. Other common names for it are a lifestyle fund or life-cycle fund. Unlike most managed funds, the risk exposure of
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In case you’ve just returned to Planet Earth, we’re currently experiencing a cost of living crisis. The annual rate of inflation has reached levels we haven’t seen for over 30 years. Just a few short months ago, this seemed unlikely.
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Most people think of a valuation as something that only applies to assets. For example, your house might have a valuation of £500,000; or your ISA might be worth £200,000. But there are many things that we don’t usually think
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Editor’s note: In the budget on 15th March 2023, the Pension Lifetime Allowance (LTA) was abolished. It’s fair to say that the Pension Lifetime Allowance, or LTA for short, is unpopular with pension savers. It’s complex and it deters us
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We’d all like to be able to predict with certainty our future finances, particularly in retirement. That’s why defined benefit pensions are often called ‘gold-plated’. But uncertainty is an inescapable fact of life. There are many things we cannot know
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This is a question that most users of EvolveMyRetirement® will have considered. A financial adviser can hold your hand through important and often life-changing decisions. Most people lack the expertise, or perhaps the time, to do everything themselves. But hiring
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