What Retirement Income You Need

What Retirement Income You Need

Do you know what retirement income you will need? Or what your spending will look like in retirement?  Do you know how much retirement income your current pension and investment portfolio will deliver?   When I start working with clients, many struggle to comprehend...
Investment Risk Just Before Retirement

Investment Risk Just Before Retirement

Over many years it was considered appropriate to reduce your investment risk just before retirement.    After all, if you are soon to be taking money out of your pension fund, it’s logical to want to protect its current value to maximise those withdrawals.   But there...
Sustainable Pension Withdrawals

Sustainable Pension Withdrawals

When you hit retirement you are going to need sustainable pension withdrawals.   If your pension withdrawals are not sustainable it is going to mean a very difficult retirement. You may have to move home, go back to work or worst, not do the things you love and...
Budgeting for Retirement

Budgeting for Retirement

​If you ever want to retire from work (and not everyone does) then you will need to do some budgeting for retirement. This will allow you to know how much your retirement will cost and therefore how much you need to have saved. But what do you include in this budget?...