Sooner or later during retirement planning you’ll hear about the dreaded sequence-of-returns risk. In an ideal world your investments would generate large returns with zero risk. But in the real world there’s always a trade-off between high returns with high
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The Retirement Planning Triangle
A planning triangle may be familiar to anyone involved in managing or delivering projects. The three sides of the triangle represent the key aspects of a project: time, scope and cost. You can improve any two aspects, but at the
Read moreRetirement Savings Are The Wrong Focus
When planning their retirement savings, most people follow one of these patterns: No retirement savings or hardly any. Haphazard savings with no planning. Fixed savings each month. Saving a fixed percentage of their income. Do any of these sound like
Read moreRetirement Income Is The Wrong Focus
How much retirement income do you need? It’s a question you can read in plenty of blogs about retirement planning. On the face of it, it sounds like a sensible question. You probably know how much income you’re making before
Read moreAI: The Future Of Financial Advice?
Scarcely a day goes by without a news story on AI or Artificial Intelligence. Sometimes the story is about a shiny new future, like self-driving cars. Often the story is more scary, for example how AI will disrupt the jobs
Read moreRisk Reduction Before Retirement
According to conventional wisdom, you should undertake financial risk reduction in the years leading up to retirement. This has resulted in the use of funds that gradually reduce risk, such as target-date funds. In this article, I ask whether or
Read moreAnnuity Dilemma: Deal or No Deal
Buying an annuity with your pension savings used to be automatic once you retired. Over time, annuity rates got steadily lower. Some retirees were able to opt for income drawdown instead, leaving their pension pot invested. Even then, they had
Read moreProperty: A Powerful Investment Lure
Property (or real estate if you prefer) is what many people instinctively feel is the safest form of investment. It’s bricks-and-mortar, right? However property investment can take many forms. Here’s a brief survey of the main ones. Property as a
Read moreWhen Is A Risk Not A Risk?
Some of us get a thrill out of taking a risk, perhaps enjoying occasional gambling. But still, most of us would rather reduce risk around the important things in our lives. It’s somewhat of a truism that there’s no reward
Read moreRetirement Planning Using Rules Of Thumb
We all like rules of thumb. They promise to simplify our lives. For instance, we’ve all probably heard the saying “Red sky at night, shepherds’ delight; red sky at morning, shepherds’ warning”. That’s a traditional rule of thumb for weather
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