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Retirement Income Planning

When the sun rises on the first day of your retirement,

what you need is a reliable monthly income.

 
 
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When the sun rises on the first day of your retirement,

what you need is a reliable monthly income.

 
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As featured in:

Join the Boomers' Money Club

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Join the Boomers' Money Club 👇

 

Planning with confidence

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Beating inflation

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our RPI-analysis tools

Meet the team

The people behind Chancery Lane,
our expertise, our history. 

Hello, World!

Free Income Planning Calculators

 
Free Planning Tools
Stable Income Growth vs. Fluctuating Capital Values
Stable Income Growth vs. Fluctuating Capital Values

This is the single most important chart for any income investor, it is the Key Chart for the selected portfolio.

What does this show? It shows the capital value change in each calendar year for 30 years (blue bars), overlaid with the actual income payments paid out over that period (red line).

Why is this important? The Chancery Lane algorithm creates portfolios where there is no or weak correlation between income and capital. This allows retirees to receive predictable income irrespective of what the FTSE is doing.

Projected Income
Projected Income

The projected income table allows you to take a view of what income might be received each year if the portfolio’s historical income growth rate is applied to the actual last year income. Past returns are no indication of future returns.

Figures are shown as annual or monthly figures.

An estimate of state pension can be included

Cost of Income
Cost of Income

The Cost of Income table allows you to enter the income you require and then calculates the funds required to achieve that income using your selected Portfolio, the FTSE All Share and Gilts. You can enter the income target as an annual or monthly figure. The second columns shows the same data as the cost of £1 in income.

If you wish to explore how these calculations are made, please contact us.

 
 
 

We’re people like you

Bridget McIntyre 

William Todd

Kim Lerche-Thomsen

Ian Manning

 

Only Chancery Lane specialises in just one thing — investing for income for baby boomers. 

 
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Bucket List Top 50

How many have you ticked off?

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Wellbeing

Dealing with a new life without a daily schedule.

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My Generation

What it means to be a boomer — how many of these experiences defined your life?

Featured
Jack Bogle’s Rules
Jack Bogle’s Rules

In this blog:

  1. Jack Bogle’s Rules

  2. What a final salary portfolio looks like – would you know what you’re looking at?

  3. Your self-insured Defined Projected Benefit pension

  4. You have £700k in pension and savings, what’s a reasonable NET income expectation?

Read More →
As good as gold
As good as gold

In this blog:

  1. The US market is broken: 20% of the entire S&P 500 gain in 2024 was from only one company. Why index trackers have created a huge problem.

  2. Client case study – how much income does £256k get you?

  3. Investment trusts – the trend is your friend until it’s not

  4. Doug in the FT

  5. Treating pensions as assets rather than income threatens their true purpose

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Investing with leopards and elephants
Investing with leopards and elephants

In this blog:

  1. Investing with leopards and elephants

  2. How to lose Mastercard entirely

  3. Mag 7? We’ve seen this before

  4. American tech stocks are not all winners

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Got a Sharona
Got a Sharona

In this blog:

  1. What would you guess is the most common annual % return from the FTSE All Share over the last 30 years?

  2. How to gift wealth to mitigate IHT

  3. Understanding Henderson Far East Income

  4. How the S&P 500 outperformed hedge funds – and it wasn’t even close

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Smoke and numbers
Smoke and numbers

In this blog:

  1. Great Uncle Cecil and the African savannah

  2. Here’s how much discount you get with us…

  3. Who stole your cheese?? When 3% is more than 6%

  4. Slide 99 – what’s the point of trying to guess annual asset allocation?

Read More →
Friends with benefits
Friends with benefits

In this blog:

  1. “At any moment, you are one good choice away from a meaningful better life”

  2. Why the valuation extremes are not as bad as 2000 (yet)

  3. 2024 dividend increases, listed trust by trust

  4. The single item needed to be a client of Chancery Lane (it’s not what you think)

  5. RPI, CPI, US and TV’s

  6. A sage warning on how some investments work

Read More →

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