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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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The FIRE movement (Financial Independence Retire Early) is sometimes regarded as a Millennial fad. Or perhaps as something only for the very rich. Perhaps that’s true about the purest forms of FIRE. But there are some sound underlying principles that
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Being pessimistic comes naturally to some people. Others are naturally optimistic. Both pessimism and optimism have their place. We often hear about the power of positive thinking. On the other hand, unchecked optimism can lead to reckless behaviour. Our naturally
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Editor’s note: In the budget on 15th March 2023, the Pension Lifetime Allowance (LTA) was abolished. You’re probably aware of the pension lifetime allowance, or LTA. It’s the maximum value of pension benefits you can build up over your lifetime
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We’re continually reminded that we need to have a retirement plan. But it’s clear that for someone in their 20s, planning will look quite different from someone in their 50s. And what about for someone who’s already retired? Let’s take
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