Most of the research about retirement income planning focuses on two of the three significant retirement risks: investment risk and […]

Retirement housing decisions should form part of your financial plan. Your home is an emotional anchor, provides daily comfort and […]

Ask most how much they’re going to spend in retirement, and they have no idea. But to plan for retirement […]

It has become increasingly difficult to join a defined benefit pension scheme, with just a handful existing outside of the […]

If you were to meet your future self, would you recognise him or her? Would you care about them? Would […]

In the last week, the Pensions and Lifetime Savings Association, along with Loughborough University, launched its Retirement Living Standards. The […]

In my last article, I mentioned Vikram Mansharamani. A lecturer at both Harvard and Yale, Mansharamani has spent much of […]

In his book, Boombustology, Vikram Mansharamani sets out how you might be able to identify that an investment bubble is […]

This week, the Office for National Statistics reported on the ageing population in the UK. -There was an increase of […]

Your retirement savings (and any other savings) are only ever made up of only five types of asset: -Cash on […]

A few years ago, if I had suggested that it would be sensible to consider how negative interest rates might […]

Listening to this week’s Informed Choice Radio podcast, I was struck by how it related to income in retirement. You’d […]

If you’ve been following my blog posts, you’ll be aware of the concept of the safe withdrawal rate. The safe […]

The state pension has hit the headlines again in the last week, with the Centre for Social Justice proposing increases […]

What is human capital and why could it be important for your retirement plan? In the days of final salary […]

Over the last decade, two distinct philosophies have developed in retirement income planning: Safety First. This is the original, old […]

Should you hold more cash to minimise sequence risk? A common response to sequence risk is to increase the allocation […]

In your first day at financial adviser school, you learn that you can’t have a return without risk, and that […]

In my previous posts, I have explained sequence risk and how it might affect you. This week, I’ll explain how […]

Last week I set out what sequence risk is, and how it can result in different returns for retirement portfolios. […]