The 4% Rule was defined in America by Bill Bengen using US stocks and bonds records, along with US inflation. This is Bill's original essay and calculations. The study does not transpose to the UK because UK equity, fixed income and inflation levels are not the same; the principle is valid in the UK but not the calculation.
Read MoreThis is what’s called macro – it’s to do with wealth in a country, a continent, the world, and within that macro environment we all exist, earn and pay our bills. The macro measures big ticket items, like the price of everything at the factory gate
We draw on Irving Fischer’s book “Money Illusion” and examine what inflation and deflations means to us.
Read MoreWarren Buffet first invested in Coca Cola in 1988. He (Berkshire Hathaway) now own 400m shares, 9.4% of that company.
As a result, on the 15th March of this year he received a payment of $168,000,000 from Coca Cola. In cash. It’s a quarterly dividend.
Read MoreThis is the most important calculation any investor needs to know. It is simply a shortcut to estimate the number of years required to double your money for a given rate of return / interest / yield.
Read MoreIn this free white paper, we argue that Modern Portfolio Theory is an inappropriate basis for generating a retirement or other long-term income for individual investors because their main objective is reliability of income, not capital growth.
Read MoreLatitude is a wonderfully inclusive festival where young people can be let loose and those of us theoretically more mature can do the same.
Read MoreThe golden goose of low fees and high yields has been the dream for investors and advisers alike and a common way to try and achieve this has been to predict the markets. However, in reality, this is akin to trying to predict the lottery.
Read MoreVery little work is done to help people understand what risks they face with investments, and you’ll have had ‘investments may fall as well as rise, and you may not get back the money you invested’…until the cows come home.
Read More“People are coming into this time of life not wishing they were still working and productive, but quite the opposite. They’re saying: ‘Finally, I can do what I want, when I want and on my own terms. That’s what I’ve been dreaming of my whole life.'”
Read MoreThe point is its not just about the money.
Arranging a reliable income is an enabler for people to do the things that financial security is intended to bring. The gift of time.
Read MoreHere we explore some of the new things we face as we grow older; providing care for our parents, writing a eulogy and more.
Read MoreDr Harry Markowitz received the 1990 Nobel Prize for Economics as a result of his 1952 paper that defined Modern Portfolio Theory (MPT).
MPT has incorrectly been migrated from its intended use in the fund industry to investment planning for individuals: we provide Markowitz’s own evidence of that error.
Read MoreResearch from the actuary Lane Clark & Peacock assessing modelling of retirement portfolios alongside consideration of relevant asset allocations for decumulation. It also outlines their thinking on why the heuristics on spending rules and portfolios need to be updated.
Read MoreThe government will increase your State Pension for every week you defer it. You delay, they pay. This increase amounts to 1% for every 9 weeks you defer or 5.8% per year. But is it worth it?
Read MoreA very simple rule that is very important – investment returns are not symmetrical; if you have an investment that falls 20%, it has to then grow by 25% just to get back to where you started.
Read MoreIn our everyday course of business we are constantly assessing investments, and we abide by the rule that if it sounds too good to be true, it probably is. That said, we believe there are three simple concepts you can employ to potentially earn the same return with less risk.
Read MoreAs in every industry, the number of financial planners claiming to be experts are endless, but in reality, very few will give clear, personalised expert advice to those who are not planning investing with gold bars and computer code and mid-Atlantic hotel rooms.
Read MoreLearn more about how much money you will need and how long it’ll last in retirement.
Read MoreInvesting might seem simple…buy low, sell high right? In reality, investing is a road riddled with potholes and cracks and successfully navigating it isn’t as easy as it might seem.
Read MoreWe took a look at what people see as their ultimate bucket list and were amazed at the sheer scale and diversity of what we found. Travel featured very highly and shows some commonality of destinations but for everything else the choices are endless.
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