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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. 

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
Shh, don't mention the budget!
Shh, don't mention the budget!

In this blog:

  1. Avoiding those black swans

  2. Middle East virtual war, US fractured election and the markets rise -defying gravity?

  3. Reassuring email from a duly elected MP

Read More →
Oh no, she won't.
Oh no, she won't.

In this blog:

  1. Affordability: Demographic breakdown of the source of personal tax revenue

  2. Teach your children well – do you trust them?

  3. ETFs – active not passive so not what we thought

  4. Your pension money: spent on TV subscriptions perchance?

  5. Did you get confused by the nine months income comparison table?

Read More →
Spend spend spend
Spend spend spend

In this blog:

  1. What WAS her name??

  2. The pension revolution you didn’t spot

  3. End of Q3 – income stats for each trust in our research pool comparing figures for 2023 to 2024

  4. Can you spot a TOAD? (Apparently it’s a thing)

Read More →
Inevitably McGee
Inevitably McGee

In this blog:

  1. Your pension – does the patient need surgery or reassurance?

  2. 2024 tech giants versus 2000 tech giants – cliff edge again?

  3. Talking about money…there’s an awful lot of it around

  4. Just one thing – about pensions and tax

  5. Can you spot the difference?

Read More →
Afraid of Ms Reeves? A simple cut to tax on interest and investment gains
Afraid of Ms Reeves? A simple cut to tax on interest and investment gains

In this blog:

  1. Afraid of Ms Reeves? A simple cut to tax on interest and investment gains

  2. Just one thing about your pension

  3. Because there’s no plan B

  4. From the £900 million Merchants Trust – where they are finding income

  5. It's cooking on gas (or riding at ‘full gas’ as the cyclists say)

  6. “Doesn’t play well with others”

  7. The right thing at the right time

  8. Pension issues – global not local

  9. Opinions versus data

  10. Last word goes to Peter Jay

Read More →
2024 White Paper: Retire Well
2024 White Paper: Retire Well

In our 2024 White Paper, we look at the data and provide a comparative analysis of alternative income drawdown strategies 1986-2023

We collate, tabulate and compare the data from the main retail investors’ drawdown strategies over 37 years, look at the two biggest risks for an individual depending on drawdown income are sequence and longevity, and what we found when we analysed more than 1,239 balance sheets, reserve statements and cashflows.

Read More →

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