Will Pound Cost Ravaging spoil your retirement plans? – Part 3
In my previous posts, I have explained sequence risk (or Pound:Cost Ravaging) and how it might affect you. This week, I’ll explain the first essential
Philip Wise
January 24, 2022
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Will Pound Cost Ravaging spoil your retirement plans? – Part 2
Last week I described Pound Cost Ravaging, and how it affects what you can safely withdraw from your retirement portfolio. I also showed how sequence
Philip Wise
January 17, 2022
Will Pound Cost Ravaging spoil your retirement plans? – Part 1
For today’s retirees and their planners, a knowledge of Sequence Risk (also known as Pound Cost Ravaging) has become essential. We rely more heavily than
Philip Wise
January 10, 2022
Five Financial Planning Predictions for 2022
I’m a bit late with my financial predictions for 2022. I hope you’ll forgive me but COVID finally had its day in the Wise household
Philip Wise
January 5, 2022
What’s wrong with The 4% Rule?
Some years ago, Bill Bengen, one of the Gods of Retirement Planning stumbled across the “4% rule”. Bengen never intended for it to be a
Philip Wise
December 6, 2021
Underestimating expenditure – the biggest retirement risk?
It can be difficult to predict what your outgoings will be in the future. However, getting it wrong can be the difference between a happy
Philip Wise
November 29, 2021
Should you move home when you retire?
We’re all pretty attached to our homes. By the time we retire, our homes don’t just provide comfort and shelter, they also provide physical proximity
Philip Wise
November 22, 2021
Who are you? What are you doing here?
Akiva ben Yosef was an influential first century rabbi, living in Roman territory, who inspired many followers. He has a lesson to teach us that
Philip Wise
November 8, 2021
Reading this post will make you live longer
One of the fundamental risks in retirement is unknown longevity; the risk of running out of assets before you run out of time. How long
Philip Wise
November 1, 2021
Pension living standards
We are particularly poor at academic research into retirement income in the UK, and, as a result, we make the job of retirement income planning
Philip Wise
October 25, 2021