Welcome our blog. This is where we share thought-provoking, no-holds-barred opinions and commentaries on all things retirement income, financial planning and investing!
Are Robo-Advisers Selling Out?
Latest news in the roboadvice space from across the pond is that Jemstep, one of the earlier online investment startup has been acquired by Invesco. This is coming months after BlackRock acquired FutureAdvisor for a reported $152million. Nearly a year ago,...
Time Diversification Vs Rebalancing In Retirement Portfolios
Most of today's portfolio management theories and practices are primarily designed to optimise return and manage risk during the accumulation stage of investing. However, there is an increasing acknowledgement of that investing for income in retirement is markedly...
Could Severe Market Conditions Ruin Safe Withdrawal Rate?
I have seen some remarks recently about how the Safe Withdrawal Rate (SWR) framework is likely to fare under extreme market conditions, for instance if the market tanks 50%!. Yet, this question has been asked and answered by 20 years of extensive research since the...
Financial Plans Are A Bit Like Battle Plans
My friend Michael Kitces has a great post about the limitations of financial planning tools, particularly when it come to... wait for it.... formulating a real financial plan! That article is so good, you really ought to quit reading this one and head over to...
Guyton-Klinger’s Sustainable Withdrawal Rules for Retirement Portfolios
Let's face it, retiring clients want to have their cake and eat it. They want the security of an annuity and the flexibility of drawdown pot. Accordingly, one of the most important financial planning challenges of the 21st century is to help clients make sure their...
Science of Retirement Conference 2016
I'm beyond chuffed to invite you to our 2nd annual Science of Retirement Conference, billed for 2nd March 2016! Since publishing the Pound Cost Ravaging white paper in January 2015, I have traveled the length of the country, speaking to advisers at conferences. One...
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