Category: Article

Article -   Research
Mon, May 13, 2019

How AUM Fees Affect Sustainable Withdrawal

One of the great misconceptions about the Sustainable Withdrawal Rate (SWR) framework is how an adviser (and fund) fees affect withdrawals from a retirement portfolio. This analysis shows that 1%pa translates into around 6%-12% (UK) and 9%-13% (US) of the client's overall income and capital, depending on the scenario. A total fee of 2%pa wipes out around 13%-26% (UK) and 19%-28% (US) of the overall fund, depending on the scenario.
Keep Reading
Article -   Case Studies
Tue, Apr 23, 2019

Retirement Income Plan For The Miggins II

The Miggins are back. See here for details but the headline is John and Jo Miggins are 65, recently retired with £300k in their retirement pot and a house with no mortgage.
Keep Reading
Article -   Case Studies
Tue, Apr 2, 2019

Retirement Income Plan for The Miggins

John and Jo Miggins have worked hard all their lives. They saved as much as they could and now they’re ready to retire. They've paid off their mortgage and their home is worth £260k. Between them, they have £300k in their pension pots. And that’s it!
Keep Reading
Article
Mon, Mar 25, 2019

Lessons from 119 years of capital market data

The latest Credit Suisse Global Investment Yearbook (excerpt here) compiled by Professor Elroy Dimson and his colleagues Paul Marsh and Mike Stanton, is a treasure trove of information. It covers asset class return and inflation in 26 different markets over the 119 years between 1900 and 2018.
Keep Reading
Article
Mon, Jun 25, 2018

Battle plans, cashflow projections and retirement income planning

In the early 1910s, the US military used maps of the Alsace-Lorraine and Champagne regions in France as part of its training programme. Critics however contested that it was spurious for the US Army to base their training on those areas rather than US territories, where they were more likely to fight a war. And so the military changed their training maps to ones on US soil. Then, around two years after the change was made, WW1 began and the US military was deployed to fight in Alsace-Lorraine!
Keep Reading
Article
Mon, Sep 11, 2017

Justin King: I'm an investor, get me out of here! Help clients survive the jungle with the power of five.

In this final video, Justin King APFS, CFP grapples with how on earth to stop clients from losing their nerve and bailing on their financial and retirement income plan when markets head south.
Keep Reading

Schedule a Demo

Suggest a date and time