Planning & Risk
What retirees say they got wrong
Surveys and accounts from people already retired converge on a short list of regrets.
Planning & Risk
Inflation, longevity, annuities and stress-testing the plan.
Planning & Risk
The plan in one page
Everything on this site reduced to a single document you could hand to a spouse, an executor or an adviser without explanation.
Planning & Risk
Fraud and how retirees are targeted
The specific patterns are well documented, and knowing the script is most of the protection.
Planning & Risk
Talking to family about money
Conversations that are avoided for decades and then have to happen in a hospital corridor.
Planning & Risk
When plans need to change
Retirement plans are revised rather than executed, and the signals that a revision is due are identifiable.
Planning & Risk
Longevity, and planning for a long life
Planning to average life expectancy means half of people outlive the plan, which is not an acceptable failure rate.
Planning & Risk
The first year of retirement
A transition that people prepare for financially and rarely otherwise, with a recognisable pattern.
Planning & Risk
Choosing an adviser, and what to ask
The most useful questions are about how the person is paid and what standard they are held to.
Planning & Risk
What to do in the year before retiring
A checklist of things that are considerably easier to arrange while still employed.
Planning & Risk
The behavioural mistakes that cost most
The gap between investment returns and investor returns is well documented, and it is entirely self-inflicted.
Planning & Risk
Stress-testing a retirement plan
A plan that works under expected conditions is not a plan. The useful exercise is finding what breaks it.
Planning & Risk
Inflation and what it does over thirty years
The risk most likely to be underestimated, because its effects are invisible year to year and enormous in aggregate.
Planning & Risk
The number people ask for, and why nobody can give it
How much you need to retire depends on variables that cannot be known in advance, which is why the confident answers are all wrong.