Why the First Years Of Retirement Matter Most for Your Pensions and Investments
When it comes to planning for retirement, most people focus on how much they’ve saved and what kind of return they can expect from their
Philip Wise
June 10, 2025
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Why You May Wish To Consider Increasing Your Exposure To Risk As You Get Older
A common assumption for studies about the sustainability of income in retirement is that the asset allocation (i.e. the proportions in shares, cash, property and
Philip Wise
February 4, 2025
Is The US Stock Market Too Concentrated?
In recent years, a handful of companies have dominated the US stock market, and, with the US being the largest of the world’s markets, those
Philip Wise
January 28, 2025
What’s The Point Of All Those Cashflows, Spreadsheets and Investment Recommendations?
There is a lot of focus on the “numbers” in retirement planning. And a lot of focus on the specific tools and techniques that you
Philip Wise
July 12, 2024
What If Pension Tax Free Cash Were Removed?
There has been plenty of speculation in the media recently that the next government will remove the tax free lump sum from pensions. Readers of
Philip Wise
July 4, 2024
What Expenditure is Essential?
In its recent Retirement Income Advice Review, the FCA referred on several occasions to “essential expenditure”; for a long time, we’ve used the same term,
Philip Wise
June 14, 2024
The Problem with Retirement Income Planners
I think that retirement income planners are generally great people. Particularly if they are based in Sussex… But there’s a fundamental problem with all retirement
Philip Wise
June 7, 2024
Joni Mitchell Retirement Advice
A bit of serendipity this last week. I was reading an article from some of our American friends (ThinkAdvisor) when Joni Mitchell’s “Big Yellow Taxi”
Philip Wise
May 20, 2024
Retirement Income Advice Review
The FCA recently announced the results of its review of Retirement Income Advice. My immediate reaction was to be flattered – it was great to
Philip Wise
April 26, 2024
Could you spend more in early retirement?
If an individual could know in advance how their portfolio would perform over the course of their retirement, they could be assured in drawing down
Philip Wise
February 21, 2024