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One feature that we’ve kept on putting off adding to our retirement calculator till now is the ability to explicitly plan for long-term care. A reason for this is that it’s especially hard to plan for it. It’s not certain
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Whatever your views on Artificial Intelligence (AI), it’s clear that it’s developing at a rapid pace. It’s going to revolutionise many aspects of our lives, and retirement planning will be no exception. As a financial planning tool, EvolveMyRetirement® is unique.
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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.
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The FIRE movement (Financial Independence Retire Early) is sometimes regarded as a Millennial fad. Or perhaps as something only for the very rich. Perhaps that’s true about the purest forms of FIRE. But there are some sound underlying principles that
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What does being ‘on track’ for retirement actually mean? Well, we’re all getting older. So we’re inexorably getting nearer to when we retire, whether we like it or not. In that sense we’re all on track (if not already retired).
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If you’re part of a couple, whether married, in a civil partnership or just committed, retirement planning means considering both partners. That’s easier said than done. Simple retirement calculators are usually based on just one individual; and they’re usually too
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Consumption smoothing is what EvolveMyRetirement® is all about. But just what is it? Here’s the definition from Investopedia: “Consumption smoothing is the practice of optimizing our standard of living by ensuring a proper balance between spending and saving during the
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Physics may not be your thing, but you’ve probably heard of the uncertainty principle; even if you’re a bit uncertain (sorry) about exactly what it is. Well, in a nutshell (according to Encyclopaedia Britannica), it states that you can’t measure
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It’s easy to imagine that investment success necessarily follows from having a good understanding of investments. Knowledge helps a lot of course. But it’s easy to forget the role of psychology. If we’re investing a small amount, we might not
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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. Before
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