In case you’ve just returned to Planet Earth, we’re currently experiencing a cost of living crisis. The annual rate of inflation has reached levels we haven’t seen for over 30 years. Just a few short months ago, this seemed unlikely.Read more
Financial Decisions And Outcomes
We make financial decisions every day. When we order a drink in a pub, we make a decision on our discretionary spending. When we make a payment on a credit card, we make a decision on debt management. Or whenRead more
Your Pension Is More Than Your Pension Plan
That might seem obvious, but it opens up a whole raft of issues. Until well into my career, I didn’t think much about what a pension was. I just assumed that I should simply follow the government’s and my employer’sRead more
Drawdown: What’s A Safe Rate?
Many people associate the word “drawdown” with withdrawals from a pension fund after retirement. But a pension fund is really just a tax shelter for investments. The principles of drawdown can be applied to all your investments, wherever held. BeforeRead more
Pension Goals: What Should They Be?
Financial advisers advocate a variety of pension goals. Some simply suggest trying to save a specific percentage of salary into a pension plan. Others target a total saved pension amount to aim for, in order to be ready for retirement.Read more