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Are you worried about a recession or a market downturn? Might one ruin your retirement plans? In fact nobody can predict market movements with accuracy. The best we’ve got is history. And history tells us that market timing is a
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For most people retirement planning is about not running out of money. My mother believed that investments should be kept not spent. In other words she believed in the maxim “Never touch the principal”. The idea was that you should
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Using a glide path is standard practice in retirement planning. In a traditional glide path, the portfolio starts with a high allocation to risky, higher‑return assets when retirement is far off, and then gradually shifts towards lower‑risk assets as retirement
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Retirement is something most of us look forward to. But if we think about retirement planning at all, we may be afraid we’ll make mistakes. Looking forward to retirement isn’t the same as planning for it. The younger we are
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For those currently retiring the state pension stands at £168.60 per week, or £8,767.20 per year. Most would agree that this is not nearly enough to live on. Someone on minimum wage working a 40-hour week earns over £17,000. In
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Mr Micawber said this about making a budget in Charles Dickens’s book David Copperfield: Annual income twenty pounds, annual expenditure nineteen nineteen and six, result happiness. Annual income twenty pounds, annual expenditure twenty pounds ought and six, result misery. For
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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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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
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When planning their retirement savings, most people follow one of these patterns: Do any of these sound like what you do? If so, there’s an alternative way to think about retirement planning. What’s wrong with a retirement savings plan? If
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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
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