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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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score and report, now.

Beating inflation

Read more, or go straight to try
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
Chinese takeaway
Chinese takeaway

In this blog:

1.  How the US owes China money.
2. What is the your severity of failure?
3. Were you born at the right time to invest your pension?
4. People rarely do what they plan – the stats from the Society of Actuaries.
5. M&S vs The Entire Cybercrime Ecosystem.

Read More →
Cocaine vs cyber hack – why M&S was hit
Cocaine vs cyber hack – why M&S was hit

In this blog:

1. M&S under attack: What happened
2. Why hackers find cybercrime so lucrative – and almost risk-free
3. An industrial-scale scam factory
4. Businesses unprepared
5. What data hackers stole from M&S customers
6. How one of our very own directors turned the tables on a would-be fraudster
7. Stay safe checklist: Simple steps you can take to protect yourself from fraud today.

Read More →
Death in the office
Death in the office

In this blog:

1. Death in the office: not a terribly good idea.
2. The Five Boxes to tick to know you’re facing the right decisions.
3. Buffett challenged hedge funds to a $1m bet – this is the outcome.
4. Why more investment choices make you unhappy and dissatisfied.
5. Claire-ly Speaking’s second part of pension-thinking for Gen-X’ers

Read More →
27 and out
27 and out

In this blog:

1.    29.2% per year 1977-1990: his golden rules to invest by.
2.    What is your funded ratio? How much do you need?
3.    Death, IHT, and what happens if the value falls before you can sell the assets?
4.    Pascal’s Wager – ultimately it’s never about money.
5.    Not same same, or is it? US v UK on CPI records over the last 25 years.
6.    Your biggest threat to independence in retirement.

Read More →
The guide to behavioural biases and how they impact financial decisions
The guide to behavioural biases and how they impact financial decisions

Each day we make thousands of decisions. Some don’t have much impact - such as would you like marmalade or marmite on your toast, or would you prefer ‘white sliced’ or sourdough?

However, some decisions do matter and make a serious difference if they don’t turn out as we hoped. Financial decisions fall firmly in this category; important decisions that can have a long-lasting impact on ourselves and our families if we get it wrong.

Read More →
Every investment decision is a simple yes or no
Every investment decision is a simple yes or no

In this blog:

1)     Bessent – the world’s biggest bond salesman
2)    Get married – the biggest possible IHT saving wheeze
3)    The relationship between investments and charges
4)    Sometimes you come across a very, very bright person.

Read More →

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