You might not have heard the term confirmation bias before. This is when you favour evidence that supports your pre-existing beliefs, ignoring evidence that contradicts them. It’s not a rare condition that only a few people have; in fact we

Most people wouldn’t be concerned about the distinction in meaning between the words forecast and projection. It may seem purely academic, or of interest only to statisticians or economists. For us at EvolveMyRetirement, it’s crucial, as it’s what sets our

Don’t get me wrong. Saving into a personal pension plan is one of the best ways to build your retirement fund. Not only do you get tax relief on what goes in, but it’s safely locked away until you’re at

If you’re a natural saver, you may easily stash away a nice pension pot during your working years. Once those pay cheques stop coming in though, your instincts may tempt you to cut right down on your spending. Maybe it

I wonder how many of our readers will have heard of decumulation. The word is not (yet) in the Oxford English Dictionary, but it’s very much the current buzzword among financial advisors and retirement planners. It has a nice simple

Imagine that today’s the first day of your retirement. You’ve invested all of your retirement assets into shares. You go online in order to sell enough shares to fund the next month. You’re horrified to find that your share portfolio

For most people still in work, this is the most important question when considering their retirement savings. I wish I could tell you that there was a magic number to aim for, like £100,000. Or even £200,000. For many who

It’s that time of year again. Your performance on the job was superb. Your boss congratulates you and tells you that you’re getting a hefty pay rise. You suddenly feel a lot richer. Your disposable income has shot up. Your

Is there a magic age before which it’s too early to start saving for retirement? Could there be an age after which it’s not even worth bothering? What’s the ideal age to start? These questions tend to occur to us

If I asked you what your retirement goals were, you might say you wanted as much spending money as possible. You might also say that you wanted to leave as much money as possible to your dependants. Finally, you might