{"id":1174,"date":"2020-07-20T05:12:46","date_gmt":"2020-07-20T04:12:46","guid":{"rendered":"https:\/\/evolvemyretirement.com\/blog\/?p=1174"},"modified":"2023-12-23T09:10:37","modified_gmt":"2023-12-23T09:10:37","slug":"uncertainty-principle-retirement","status":"publish","type":"post","link":"https:\/\/evolvemyretirement.com\/blog\/uncertainty-principle-retirement\/","title":{"rendered":"The Uncertainty Principle of Retirement"},"content":{"rendered":"\n<p>Physics may not be your thing, but you&#8217;ve probably heard of the uncertainty principle; even if you&#8217;re a bit uncertain (sorry) about exactly what it is. Well, in a nutshell (according to <a aria-label=\"undefined (opens in a new tab)\" href=\"https:\/\/www.britannica.com\/science\/uncertainty-principle\" target=\"_blank\" rel=\"noreferrer noopener\">Encyclopaedia Britannica<\/a>), it states that you can&#8217;t measure both the position and the velocity of an object exactly. The more accurately to try to pin down one, the more uncertain the other becomes.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Imagine a world without uncertainty<\/h2>\n\n\n\n<p>Before scientists discovered the laws of quantum mechanics, they&#8217;d assumed that the universe ran like clockwork. If you knew the present accurately enough, you could predict the future precisely.<\/p>\n\n\n\n<p>There&#8217;s an analogy in the field of retirement planning. You want to precisely plan your future finances till the end of your life. To do that you need to know exactly:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>How long you&#8217;ll live.<\/li>\n\n\n\n<li>How well your investments will perform.<\/li>\n\n\n\n<li>What inflation there&#8217;ll be.<\/li>\n\n\n\n<li>Etc.<\/li>\n<\/ul>\n\n\n\n<p>There are plenty of retirement planning tools that will let you do this. They assume that the future is predictable. They pretend that uncertainty doesn&#8217;t exist. So if you invest your money in shares, it assumes it will grow at a steady rate year after year, for example 7%. If your life expectancy is 30 years, say, then it assumes that&#8217;s precisely how long your money needs to last. It may also assume that the cost of living will rise by exactly the same amount every year, say 3%.<\/p>\n\n\n\n<p>Yes, it makes the world simpler to ignore uncertainly. But it&#8217;s just not the world we actually live in.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Will the cat ever reach retirement?<\/h2>\n\n\n\n<p>You&#8217;ve probably also heard about <a href=\"https:\/\/www.britannica.com\/biography\/Erwin-Schrodinger\" target=\"_blank\" rel=\"noreferrer noopener\">Schr\u00f6dinger&#8217;s cat<\/a>, and that it&#8217;s got something to do with the uncertainty principle. Schr\u00f6dinger asked us to imagine placing a cat in a sealed box together with a killing device triggered by the decay of a radioactive atom. Until we open the box, there&#8217;s no way of knowing for sure whether the cat is dead or alive. In fact it&#8217;s both, at least in a sense. <\/p>\n\n\n\n<p>Retirement planning is a bit like this. Our money may run out during our lifetime (the cat dies), or it won&#8217;t (the cat lives). Until we open the box of our lives by living it till the end, we won&#8217;t know for sure. There are a myriad scenarios that might play out. Some may lead to ruin. Others may lead to prosperity. They&#8217;re all plausible futures, some more likely than others.<\/p>\n\n\n\n<p>Luckily we don&#8217;t need to understand quantum mechanics to take retirement planning uncertainty into account. But it does make things more complicated, requiring more sophisticated tools. Without them we&#8217;re fooling ourselves.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Embracing uncertainty<\/h2>\n\n\n\n<p>Luckily there are techniques that can help us with retirement planning in the face of uncertainty. A widely recognised technique is <a href=\"https:\/\/evolvemyretirement.com\/monte-carlo-simulation\" target=\"_blank\" rel=\"noreferrer noopener\">Monte Carlo Simulation<\/a>. This runs a large number of randomly generated scenarios, and then statistically analyses the results. This way we can learn how likely our retirement strategy is to succeed.<\/p>\n\n\n\n<p>Our <a aria-label=\"undefined (opens in a new tab)\" href=\"https:\/\/evolvemyretirement.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">Intelligent Financial Planning Calculator<\/a> has Monte Carlo Simulation built into it. What makes it unique is that it uses a <a href=\"https:\/\/evolvemyretirement.com\/genetic-algorithms\" target=\"_blank\" rel=\"noreferrer noopener\">Genetic Algorithm<\/a> to optimise your retirement strategy, even in the face of uncertainty. So it&#8217;s able to give you the results best meeting your objectives. Navigating uncertainty just got a whole lot easier.<\/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>Physics may not be your thing, but you&#8217;ve probably heard of the uncertainty principle; even if you&#8217;re a bit uncertain (sorry) about exactly what it is. Well, in a nutshell (according to Encyclopaedia Britannica), it states that you can&#8217;t measure<!-- 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":611,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[30,35,9,34],"class_list":["post-1174","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","tag-genetic-algorithm","tag-monte-carlo","tag-retirement-planning","tag-uncertainty"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.1.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>The Uncertainty Principle of Retirement - EvolveMyRetirement<\/title>\n<meta name=\"description\" content=\"The uncertainty principle has an analogue in the world of retirement planning. Learn how EvolveMyRetirement embraces uncertainty to optimise outcomes.\" \/>\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\/uncertainty-principle-retirement\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The Uncertainty Principle of Retirement - EvolveMyRetirement\" \/>\n<meta property=\"og:description\" content=\"The uncertainty principle has an analogue in the world of retirement planning. Learn how EvolveMyRetirement embraces uncertainty to optimise outcomes.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/evolvemyretirement.com\/blog\/uncertainty-principle-retirement\/\" \/>\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=\"2020-07-20T04:12:46+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-12-23T09:10:37+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/evolvemyretirement.com\/blog\/wp-content\/uploads\/house-cards-dice.png\" \/>\n\t<meta property=\"og:image:width\" content=\"640\" \/>\n\t<meta property=\"og:image:height\" content=\"426\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\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=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/evolvemyretirement.com\/blog\/uncertainty-principle-retirement\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/evolvemyretirement.com\/blog\/uncertainty-principle-retirement\/\"},\"author\":{\"name\":\"Nick\",\"@id\":\"https:\/\/evolvemyretirement.com\/blog\/#\/schema\/person\/927febeaea45f5b77b454c800da0e5b8\"},\"headline\":\"The Uncertainty Principle of Retirement\",\"datePublished\":\"2020-07-20T04:12:46+00:00\",\"dateModified\":\"2023-12-23T09:10:37+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/evolvemyretirement.com\/blog\/uncertainty-principle-retirement\/\"},\"wordCount\":565,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/evolvemyretirement.com\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/evolvemyretirement.com\/blog\/uncertainty-principle-retirement\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/evolvemyretirement.com\/blog\/wp-content\/uploads\/house-cards-dice.png\",\"keywords\":[\"genetic algorithm\",\"Monte Carlo\",\"retirement planning\",\"uncertainty\"],\"articleSection\":[\"Uncategorized\"],\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/evolvemyretirement.com\/blog\/uncertainty-principle-retirement\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/evolvemyretirement.com\/blog\/uncertainty-principle-retirement\/\",\"url\":\"https:\/\/evolvemyretirement.com\/blog\/uncertainty-principle-retirement\/\",\"name\":\"The Uncertainty Principle of Retirement - EvolveMyRetirement\",\"isPartOf\":{\"@id\":\"https:\/\/evolvemyretirement.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/evolvemyretirement.com\/blog\/uncertainty-principle-retirement\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/evolvemyretirement.com\/blog\/uncertainty-principle-retirement\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/evolvemyretirement.com\/blog\/wp-content\/uploads\/house-cards-dice.png\",\"datePublished\":\"2020-07-20T04:12:46+00:00\",\"dateModified\":\"2023-12-23T09:10:37+00:00\",\"description\":\"The uncertainty principle has an analogue in the world of retirement planning. 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