{"id":1807,"date":"2022-07-20T05:57:52","date_gmt":"2022-07-20T04:57:52","guid":{"rendered":"https:\/\/evolvemyretirement.com\/blog\/?p=1807"},"modified":"2026-06-09T10:59:08","modified_gmt":"2026-06-09T09:59:08","slug":"optimisation-of-retirement-common-reactions","status":"publish","type":"post","link":"https:\/\/evolvemyretirement.com\/blog\/optimisation-of-retirement-common-reactions\/","title":{"rendered":"Retirement Strategy Generation: Common Reactions"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">When you use <a href=\"https:\/\/evolvemyretirement.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">the EvolveMyRetirement\u00ae app<\/a> for the first time, you&#8217;ll no doubt have an initial emotional reaction to the generated strategy. This reaction depends both on the state of your finances and on your prior expectations. Unlike most retirement calculators, ours doesn&#8217;t just tell you whether or not you&#8217;ll run out of money. Instead, it calculates probabilities based on what you&#8217;ve entered. And more than that, it generates top\u2011level planning decisions that align with your stated goals. The headline item that it generates is the level of discretionary spending considered sustainable within the model; whereas discretionary spending is an end in itself, the other generated items are a means to an end. Alongside this level of spending is the risk of running out of money. The strategy generator balances risk with spending, taking your goals and attitudes into account.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Feedback from our users shows a spectrum of possible reactions to the tool&#8217;s strategy generation feature. We&#8217;ve distilled these reactions down into three main groups:<\/p>\n\n\n\n<ul class=\"wp-block-list has-white-background-color has-background\">\n<li>Amazement<\/li>\n\n\n\n<li>Relief<\/li>\n\n\n\n<li>Shock<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Amazement at your spending level after strategy generation<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">You may find that the tool calculates an apparently sustainable level of spending that&#8217;s far higher than you expected. This might be because you&#8217;re richer than you thought, whether in terms of income or of assets. Or maybe you have a long way to go before retirement, giving you ample time to grow your retirement fund.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">But if the generated level seems way too high, it\u2019s worth checking that you haven\u2019t missed anything important from your plan. In particular, check that you&#8217;ve included all your essential spending. You may also want to check whether the tool\u2019s assumptions about things like inflation and growth match your own. If not, you might consider which are the more realistic, and perhaps edit the tool&#8217;s assumptions.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If after double-checking everything it looks like you can afford a lot more spending, you may conclude that you have scope for higher discretionary spending.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Relief that you can spend without running out of money<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">You may start using the tool with trepidation, assuming that you&#8217;re way off track. Then, if the strategy suggests that your current level of spending appears reasonably safe, you&#8217;ll no doubt feel a sense of relief. But it&#8217;s a good idea to make sure it&#8217;s not a false sense of relief. It\u2019s worth checking your plan and all the assumptions. For example, missing essential spending could have made a big difference.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Once you&#8217;re confident that you&#8217;re really on track, revisiting and updating your plan periodically can help keep it aligned with changing circumstances. No plan is ever static. The economy and markets change. And so can your priorities and lifestyle. After some time, regenerating your strategy may give you changed results.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Shock at your risk of running out of money after generating a strategy<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">It&#8217;s possible that your generated strategy will suggest a very low level of discretionary spending, coupled with a scarily high risk of running out of money. In this case, you might take one look at the results, and decide the tool must be faulty, and decide never to use it again. That would be a shame, because in the vast majority of cases unexpected results are caused by missing or erroneous input.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Or maybe after double-checking everything, the tool confirms your worst fears, and you simply give up on constructive retirement planning. This can be unhelpful, as finances very rarely improve without planning. There are almost always options to improve your results, such as:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Debt restructuring<\/li>\n\n\n\n<li>Tight control of &#8216;essential&#8217; spending<\/li>\n\n\n\n<li>Property downsizing (now or later)<\/li>\n\n\n\n<li>Deferring retirement<\/li>\n\n\n\n<li>Supplementary income<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Sadly, those with the most pressing need for planning tend to be discouraged too early.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Avoiding the \u2018financial ostrich\u2019 mindset<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">It&#8217;s easy to become overwhelmed by the complexity of retirement planning. When retirement is some years off, it&#8217;s tempting to become a financial ostrich as suggested in <a href=\"https:\/\/www.ft.com\/content\/72402230-e6db-11e6-967b-c88452263daf\" target=\"_blank\" rel=\"noreferrer noopener\">this FT article<\/a>. The other extreme, also mentioned in the same article, is trying to be over-precise in future cash flow forecasting. Using <a href=\"https:\/\/evolvemyretirement.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">EvolveMyRetirement\u00ae<\/a> can help you avoid relying on over\u2011simplistic rules of thumb. It can also help you consider uncertainties, and you can see how sensitive your results are to your underlying assumptions. Its unique strategy generation feature may help you think outside the box.<\/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>When you use the EvolveMyRetirement\u00ae app for the first time, you&#8217;ll no doubt have an initial emotional reaction to the generated strategy. This reaction depends both on the state of your finances and on your prior expectations. Unlike most retirement<!-- 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":624,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[40,67],"class_list":["post-1807","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","tag-optimisation","tag-spending"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Retirement Strategy Generation: Common Reactions - EvolveMyRetirement<\/title>\n<meta name=\"description\" content=\"Optimisation of retirement planning by EvolveMyRetirement causes one of three typical reactions. Find out what they are.\" \/>\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\/optimisation-of-retirement-common-reactions\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Retirement Strategy Generation: Common Reactions - EvolveMyRetirement\" \/>\n<meta property=\"og:description\" content=\"Optimisation of retirement planning by EvolveMyRetirement causes one of three typical reactions. 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