{"id":1158,"date":"2020-06-21T11:07:56","date_gmt":"2020-06-21T10:07:56","guid":{"rendered":"https:\/\/evolvemyretirement.com\/blog\/?p=1158"},"modified":"2026-06-11T06:19:43","modified_gmt":"2026-06-11T05:19:43","slug":"the-psychology-of-retirement-planning","status":"publish","type":"post","link":"https:\/\/evolvemyretirement.com\/blog\/the-psychology-of-retirement-planning\/","title":{"rendered":"The Psychology of Retirement Planning"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">It&#8217;s easy to imagine that investment success necessarily follows from having a good understanding of investments. Knowledge helps a lot of course. But it&#8217;s easy to forget the role of psychology. If we&#8217;re investing a small amount, we might not be particularly emotionally invested. But when we&#8217;re dealing with our retirement portfolio, the ups and downs will affect our emotions. Understanding our own psychology is just as important as understanding investments.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Retirement planning has three main phases:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Our working years.<\/li>\n\n\n\n<li>Transition into retirement.<\/li>\n\n\n\n<li>Retirement itself.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\">The psychology of saving for retirement<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">During our working years we&#8217;re hopefully earning enough to save towards our retirement. Auto-enrolment should help, but it requires a conscious decision to save more than the minimum. Jam today often seems more attractive than jam tomorrow. Getting the balance right is part science, but also part psychology. Some of us are born savers, whereas others are born spenders, with a whole spectrum in between.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Once we\u2019ve committed to saving for retirement, we then face decisions about where to invest our savings. This is where the psychology of risk comes in. It&#8217;s important to understand our personal risk tolerance.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If we&#8217;re investing part of our monthly paycheck into a fund, we&#8217;re hopefully benefiting from <a href=\"https:\/\/www.which.co.uk\/money\/investing\/how-investing-works\/investing--the-basics\/lump-sum-or-regular-savings-awub22t6tcjd\" target=\"_blank\" rel=\"noreferrer noopener\">pound-cost averaging<\/a>. By automating the investment process, we&#8217;re less likely to worry about what the market is doing in the short term.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Occasionally we might come into a lump sum that we need to invest. If we try to time the market, we risk mistiming it. Some people choose to split such investments into several monthly instalments on fixed dates, which can provide the psychological cushion of <a href=\"https:\/\/www.which.co.uk\/money\/investing\/how-investing-works\/investing--the-basics\/lump-sum-or-regular-savings-awub22t6tcjd\" target=\"_blank\" rel=\"noreferrer noopener\">pound-cost averaging<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Transition into retirement<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">As we approach retirement, having a plan can be helpful. If we don&#8217;t, then we&#8217;re relying on pure guesswork. A plan may include decisions about how much, if any, guaranteed income to aim for. Some of this will be <a href=\"https:\/\/evolvemyretirement.com\/blog\/make-state-pension-go-further\/\" target=\"_blank\" rel=\"noreferrer noopener\">provided by the state<\/a>. If we&#8217;re fortunate some may come from defined benefit pensions. Some may need to come from buying <a href=\"https:\/\/evolvemyretirement.com\/blog\/annuities-myths-and-reality\/\" target=\"_blank\" rel=\"noreferrer noopener\">annuities<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If guaranteed income is not enough to cover spending, many retirees draw down from investments to make up the difference. And with low annuity rates, this is a common scenario.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Planning to buy an annuity and planning for drawdown are quite different. An annuity used to be the norm. Planning to buy one involves <a rel=\"noreferrer noopener\" href=\"https:\/\/evolvemyretirement.com\/blog\/retirement-risk-reduction\/\" target=\"_blank\">gradually de-risking investments<\/a> up to the point of retirement. This is sometimes known as <a rel=\"noreferrer noopener\" href=\"https:\/\/evolvemyretirement.com\/blog\/retirement-glide-path\/\" target=\"_blank\">the glide-path to retirement<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">But the glide\u2011path approach may be less suited to drawdown planning. Taking away risk means taking away growth prospects. The point about drawdown is that it needs to last throughout retirement; it typically relies on investment growth to reduce the risk of early depletion.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The role of a retiree&#8217;s psychology is crucial. To some, nothing short of a guaranteed income will do, even if that means drastically cutting spending. For others, higher spending will be the primary goal, even if that risks future ruin. Most of us fall between these two extremes.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">The psychology of retirement drawdown<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Once we&#8217;re past the transition, chances are our spending will depend on a combination of guaranteed income and drawdown. The bigger the drawdown portion, the more uncertain we&#8217;ll be about sustainability. If markets are kind to us, our investments will grow faster than our drawdown rate. Or they may fall in value, potentially causing us stress and worry. So psychology continues to play a role in how we manage our investments, to balance risk with reward.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A widely used approach for easing the psychological strain of drawdown is <a href=\"https:\/\/evolvemyretirement.com\/blog\/bucket-strategy\/\" target=\"_blank\" rel=\"noreferrer noopener\">the bucket strategy<\/a>. With this approach, we fund our day-to-day spending from a sizeable cash reserve &#8216;bucket&#8217;. We replenish the cash reserve by transferring income or assets from a medium risk bucket. In turn, we replenish the medium risk bucket from a high-risk bucket of long term investments. Using this approach doesn&#8217;t eliminate the risk, but aims to shield our psyche from it.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Know thyself<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">An important part of financial decision\u2011making is recognising the role of our own psychology. Of course this won&#8217;t be fixed for life. An investment choice that feels comfortable in our 20s may feel very different in our 70s.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">EvolveMyRetirement\u00ae provides a <a href=\"https:\/\/evolvemyretirement.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">distinctive retirement calculator<\/a> designed to reduce reliance on guesswork in retirement planning.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n<!-- AddThis Advanced Settings generic via filter on the_content --><!-- AddThis Share Buttons generic via filter on the_content -->","protected":false},"excerpt":{"rendered":"<p>It&#8217;s easy to imagine that investment success necessarily follows from having a good understanding of investments. Knowledge helps a lot of course. But it&#8217;s easy to forget the role of psychology. If we&#8217;re investing a small amount, we might not<!-- AddThis Advanced Settings generic via filter on get_the_excerpt --><!-- AddThis Share Buttons generic via filter on get_the_excerpt --><\/p>\n","protected":false},"author":1,"featured_media":520,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[21,25,31,33,9],"class_list":["post-1158","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","tag-annuities","tag-bucket-strategy","tag-drawdown","tag-investments","tag-retirement-planning"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>The Psychology of Retirement Planning - EvolveMyRetirement<\/title>\n<meta name=\"description\" content=\"Retirement planning isn&#039;t just about being investment-savvy. Psychology plays a crucial role too. Find out how from EvolveMyRetirement.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/evolvemyretirement.com\/blog\/the-psychology-of-retirement-planning\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The Psychology of Retirement Planning - EvolveMyRetirement\" \/>\n<meta property=\"og:description\" content=\"Retirement planning isn&#039;t just about being investment-savvy. Psychology plays a crucial role too. Find out how from EvolveMyRetirement.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/evolvemyretirement.com\/blog\/the-psychology-of-retirement-planning\/\" \/>\n<meta property=\"og:site_name\" content=\"EvolveMyRetirement\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/evolvemyretirement\" \/>\n<meta property=\"article:published_time\" content=\"2020-06-21T10:07:56+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-06-11T05:19:43+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/evolvemyretirement.com\/blog\/wp-content\/uploads\/chess-2018670_1280-1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1280\" \/>\n\t<meta property=\"og:image:height\" content=\"720\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Nick\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@evolvemyretire\" \/>\n<meta name=\"twitter:site\" content=\"@evolvemyretire\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Nick\" \/>\n\t<meta name=\"twitter:label2\" content=\"Estimated reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/evolvemyretirement.com\\\/blog\\\/the-psychology-of-retirement-planning\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/evolvemyretirement.com\\\/blog\\\/the-psychology-of-retirement-planning\\\/\"},\"author\":{\"name\":\"Nick\",\"@id\":\"https:\\\/\\\/evolvemyretirement.com\\\/blog\\\/#\\\/schema\\\/person\\\/927febeaea45f5b77b454c800da0e5b8\"},\"headline\":\"The Psychology of Retirement Planning\",\"datePublished\":\"2020-06-21T10:07:56+00:00\",\"dateModified\":\"2026-06-11T05:19:43+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/evolvemyretirement.com\\\/blog\\\/the-psychology-of-retirement-planning\\\/\"},\"wordCount\":738,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/evolvemyretirement.com\\\/blog\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/evolvemyretirement.com\\\/blog\\\/the-psychology-of-retirement-planning\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/evolvemyretirement.com\\\/blog\\\/wp-content\\\/uploads\\\/chess-2018670_1280-1.jpg\",\"keywords\":[\"annuities\",\"bucket strategy\",\"drawdown\",\"investments\",\"retirement planning\"],\"articleSection\":[\"Uncategorized\"],\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/evolvemyretirement.com\\\/blog\\\/the-psychology-of-retirement-planning\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/evolvemyretirement.com\\\/blog\\\/the-psychology-of-retirement-planning\\\/\",\"url\":\"https:\\\/\\\/evolvemyretirement.com\\\/blog\\\/the-psychology-of-retirement-planning\\\/\",\"name\":\"The Psychology of Retirement Planning - EvolveMyRetirement\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/evolvemyretirement.com\\\/blog\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/evolvemyretirement.com\\\/blog\\\/the-psychology-of-retirement-planning\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/evolvemyretirement.com\\\/blog\\\/the-psychology-of-retirement-planning\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/evolvemyretirement.com\\\/blog\\\/wp-content\\\/uploads\\\/chess-2018670_1280-1.jpg\",\"datePublished\":\"2020-06-21T10:07:56+00:00\",\"dateModified\":\"2026-06-11T05:19:43+00:00\",\"description\":\"Retirement planning isn't just about being investment-savvy. 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