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

How well do you understand financial risk? On the face of it, it might seem obvious. If you invest in emerging markets, then it’s very high risk. Your investments could fluctuate wildly, and you could lose everything. On the other

As the old saying goes, ‘every little helps’, but can saving just £20 a month really build to anything substantial? EvolveMyRetirement has created this infographic to illustrate how small regular savings can accumulate over time. Are Small Savings Useful? As

It’s only natural for us to look forward to our next pay rise, and dream of the wonderful things we’d then be able to afford. Maybe there’s that big holiday we’ve been promising ourselves. Or maybe we want to clear

Retirement planning has quite a lot in common with military planning. There’s a famous saying: “No plan survives contact with the enemy”. In the case of retirement planning, the ‘enemy’ consists mainly of political, economic, market and life events. In