Have you got enough saved for a windy day?
The sunshine county of Sussex doesn’t often get battered by the weather. Our roads tend to get damaged more when the tarmac is melted by
Philip Wise
February 18, 2022
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Mind the gap… The Confidence Gap
“Once we know our weaknesses, they cease to do us any harm”. So said Georg Lichtenberg, the physicist who is better known for coming up
Philip Wise
February 14, 2022
“My parents lived until they were 100 – you’ll need to plan for a longer retirement for me!”
The ONS Life Expectancy calculator is one of my favourite websites. Whilst others are looking at Facebook or Instagram, I’m busy comparing life expectancy figures.
Philip Wise
February 7, 2022
Will Pound Cost Ravaging spoil your retirement plans? – Part 4
Academic studies and the Timeline app show us that there are a number of ways of reducing the impact of sequence risk. Some seem obvious
Philip Wise
January 31, 2022
We were right to worry about Roy Hodgson
When Roy Hodgson bowed out from football management at the end of last season, we wrote about our concerns for him. It seemed like he
Philip Wise
January 26, 2022
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
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