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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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Few of us would want to gamble with our future. Imagine you’re in a casino, and your retirement depends on playing the roulette table. If you win, your retirement is comfortable. If you lose, you go broke. And yet the
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By most standard definitions, wealth consists of accumulated assets. In other words, it’s what you already have rather than what you earn. But most people would consider someone who’d just landed a job with a huge salary as wealthy. And
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In the UK we haven’t had double-digit inflation since the early 80s. Since 1992 annual inflation has been below 5%. So you might be forgiven for thinking that inflation isn’t worth worrying about anymore. But we had similar levels of
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