Category: Article

No, QE didn’t break the 4% rule
Article
Thu, Oct 15, 2020

No, QE didn’t break the 4% rule

The 4% percent rule as created by Bill Bengen was never intended to be Newton's Fourth Law of Motion that the industry makes it out to be. Instead, it's more of a framework that needs to be applied to each retiree's individual circumstance - spending needs, asset allocation, time horizon and fees.
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Timelineapp partners with Sanlam to join their series of Adviser Insight events
Article
Tue, Oct 13, 2020

Timelineapp partners with Sanlam to join their series of Adviser Insight events

We recently partnered with Sanlam, a financial planning and investment services group to join their series of Adviser Insight events. The theme focuses on "Decumulation - Developing your Centralised Retirement Proposition!" The purpose is to deliver training to financial advisers to demonstrate how they can assist their clients in the retirement income market. Continue reading.
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The Evolution of Timelineapp
Article
Wed, Oct 7, 2020

The Evolution of Timelineapp

In this video, our founder, Abraham Okusanya explains the evolution of our next-generation retirement income platform for financial advisers. He talks about how the idea of Timeline was born, why it’s fit for purpose as a retirement planning platform compared to other cashflow modelling tools out there and its features, which sets Timeline apart and demonstrates why our technological capabilities are invaluable for financial planners and the end client.
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COVID-19's Impact on Capital Markets and Sustainability of Retirement Plans
Article
Wed, Sep 30, 2020

COVID-19's Impact on Capital Markets and Sustainability of Retirement Plans

With the recent effects of Covid-19 disrupting the way financial services operate and advising clients, your clients must have access to a dynamic and robust withdrawal framework that is revisited over time to ensure the client stays on track. Read our latest blog as our Founder, Abraham explains how the pandemic has impacted capital markets and the sustainability of retirement plans.
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Vertically integrated businesses: do they benefit clients?
Article
Mon, Sep 28, 2020

Vertically integrated businesses: do they benefit clients?

Having control of the entire value chain, from fund management through to financial advice, should make business sense. But does it? Continue reading.
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Save more yesterday!
Article
Wed, Sep 23, 2020

Save more yesterday!

Having enough money for old age is an old adage. The world as we know it now needs us to think differently about how we save towards retirement. What can we do as individuals to save more and how have previous approaches and government interventions helped achieve this?
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What's the assumed growth rate in your retirement projections?
Article
Mon, Sep 21, 2020

What's the assumed growth rate in your retirement projections?

The very essence of Timelineapp is to avoid running projections based on a single assumed growth rate like the one above. Instead, Timelineapp runs hundreds of real-world scenarios using the 100+ years' historical data of the underlying asset classes in the portfolio and inflation. Read our latest blog here.
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Timelineapp releases Sustainable Retirement Income Guide for clients
Article
Tue, Sep 15, 2020

Timelineapp releases Sustainable Retirement Income Guide for clients

We’re excited to share with you the latest edition of Timelineapp’s Will I Run Out Money guide.
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Understanding Timelineapp’s Output: A Guide for Advised Clients
Announcements -   Article
Thu, Sep 10, 2020

Understanding Timelineapp’s Output: A Guide for Advised Clients

One of the biggest challenges for advisers is how to communicate the output of a retirement plan to clients, in a way that is elegant, simple and easy to understand. That’s why we’ve put together this guide to help financial planners do just that!
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Living Longer: Looking beyond average life expectancies
Article
Tue, Aug 25, 2020

Living Longer: Looking beyond average life expectancies

As financial planners, we're responsible for ensuring our clients don't outlive their savings. Underestimating how long someone will live could be costly. Longevity is central to our planning efforts, and we need to think carefully about it.
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Five ways to improve your client’s retirement journey
Article
Thu, Aug 13, 2020

Five ways to improve your client’s retirement journey

In this blog, we explain the unique benefits that Timelineapp brings to retirement planning. Here are five reasons you should be using our next-generation retirement income platform to improve your client's retirement journey.
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Part 2:  Adviser Tech Integration: Open vs Closed
Article
Thu, Aug 6, 2020

Part 2: Adviser Tech Integration: Open vs Closed

In part two of our blog, we address how we fix the UK adviser technology landscape problem. If you enjoyed part one, on adviser tech integration, we think you’ll find this interesting!
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Part 1: Advice Tech Integration: Open vs Closed
Article
Tue, Aug 4, 2020

Part 1: Advice Tech Integration: Open vs Closed

In part 1 of this blog series, Abraham ponders on the sorry state of adviser technology in today’s market.
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Timelineapp secures £1.8m funding round to meet global demand for next-gen retirement planning solutions
Announcements -   Article
Wed, Jul 22, 2020

Timelineapp secures £1.8m funding round to meet global demand for next-gen retirement planning solutions

Timelineapp, the next-generation retirement income software, has secured £1.8 million in funding, in a round which included global platform-as-a-service provider FNZ becoming a non-controlling minority investor.
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Digitising Retirement Planning for Financial Planners
Article
Tue, Jul 21, 2020

Digitising Retirement Planning for Financial Planners

When thinking about adopting new ways of doing things, or a different way of conducting business, we ask the question, ‘what’s in it for me (or my business)?’ Enterprises consider the potential costs and benefits of implementing new tools or processes to improve their business and decide to change strategy if the benefits outweigh the costs.
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Monitoring a client’s retirement plan with Livetrack
Article
Mon, Jun 15, 2020

Monitoring a client’s retirement plan with Livetrack

As technology becomes an integral part of our lives, the ability to track your client’s plan in real-time is game changing! Read our last blog on how you can monitor your client’s retirement plan with our Livetrack feature.
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Putting Natural Yield Retirement Income to The Test
Article
Tue, Jun 2, 2020

Putting Natural Yield Retirement Income to The Test

The global lockdown continues to throw up important lessons. In particular, it's a useful time to test one's thesis about investing and retirement planning. I've always thought that a good retirement strategy should hold up, not just in good times, but especially in bad times.
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The Importance of Client Review and Withdrawal Policy Statement
Article
Wed, May 27, 2020

The Importance of Client Review and Withdrawal Policy Statement

Retirement planning has evolved over the years, and this has necessitated the need for suitable advice. A Withdrawal Policy Statement (WPS) focuses on more than the suitability of advice. It considers the overall client retirement experience, details clear and specific retirement goals and how the client and their adviser plan to deal with them once they occur in retirement.
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Cash Buffers, Sustainable Withdrawal and Bear Markets
Article
Tue, May 19, 2020

Cash Buffers, Sustainable Withdrawal and Bear Markets

The current bear market has rekindled the age old debate about the role of cash buffers in retirement portfolios. Read our latest blog.
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Lockdown Lessons: Retirement Dry Run
Article
Tue, May 12, 2020

Lockdown Lessons: Retirement Dry Run

Is the lockdown a dry run for retirement, spending essential income only? Read our latest blog by our CEO Abraham Okusanya as he explains what we can learn from this retirement dry run.
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How Major World Events Have Always Impacted Stock Markets
Article
Thu, May 7, 2020

How Major World Events Have Always Impacted Stock Markets

Major world events have always impacted stock markets, from risk and return perspectives. Timeline caters for these situations and our technology applies over 100 years of historical capital market data to stress test clients' portfolios in retirement. Read on.
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FCA puts retirement under the spotlight
Article
Tue, Apr 14, 2020

FCA puts retirement under the spotlight

The Financial Conduct Authority (FCA) has recently confirmed it will be assessing the suitability of decumulation and retirement advice. Read on.
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3 questions Financial Advisers should be asking themselves
Article
Fri, Mar 27, 2020

3 questions Financial Advisers should be asking themselves

Timeline does every day. In this blog, we explain how you can use Timeline for accurate and simplified retirement planning.
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Timeline's Scaled Income Feature
Article
Tue, Mar 17, 2020

Timeline's Scaled Income Feature

So one common question we get asked about Timeline, by users is how do I change the client's income for different phases of retirement. So there are several reasons why you might want to change the withdrawals that the client is taking from their portfolio.
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Monte Carlo VS Historical
Article
Mon, Dec 16, 2019

Monte Carlo VS Historical

In a discussion between our Senior Quantitative Analyst, and Founder, we address some of the common questions and thoughts behind these two areas.
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Meet the team - Ignacio Gutierrez
Article
Fri, Dec 13, 2019

Meet the team - Ignacio Gutierrez

It's our last Meet the Team feature for 2019 and this month we're introducing our Chief Technical Officer, Ignacio.
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PFS 2019 - What a great day!
Article
Thu, Dec 5, 2019

PFS 2019 - What a great day!

This years PFS conference was such a blast and we were so thrilled to see all of you who came to say hello.From the great response after our talk, through to hearing how you use Timeline, it was a great day and we thoroughly enjoyed ourselves.
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Millennials, are you thinking about your retirement?
Article
Wed, Nov 27, 2019

Millennials, are you thinking about your retirement?

With everything so accessible and easy to grab hold of, it's oh so easy to forget about what's important, especially when it comes to retirement, let alone saving.
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Dynamic Longevity Assumptions in Retirement
Article
Mon, Jun 24, 2019

Dynamic Longevity Assumptions in Retirement

American writer Mark Twain was reported to have accurately predicted his own death. He apparently based his prediction on the astronomical phenomenon that marked his birth, the appearance of Halley's Comet. A year before his death, Twain said: 'I came in with Halley's Comet in 1835. It is coming again next year, and I expect to go out with it. It will be the greatest disappointment of my life if I don't go out with Halley's Comet. The Almighty has said, no doubt: "Now here are these two unaccountable freaks; they came in together, they must go out together.'
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Revisiting Capacity for Loss In Retirement
Article -   Case Studies
Mon, May 20, 2019

Revisiting Capacity for Loss In Retirement

There's a lot of confusion around assessing capacity for loss, particularly for clients drawing down their portfolio. Much of it stems from the fact that the Regulator doesn't really seem to know how it should be assessed. There appears to be two camps in this debacle. On one side, you have an ex-regulator, paraplanners and compliance consultants who seem to think that capacity for loss is the be-all and end-all. We’ll call them the ‘compliance camp’. On the other hand, you have financial planners at the coal face.
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How AUM Fees Affect Sustainable Withdrawal
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.
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Retirement Income Plan For The Miggins II
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.
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Retirement Income Plan for The Miggins
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!
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Lessons from 119 years of capital market data
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.
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Battle plans, cashflow projections and retirement income planning
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!
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Justin King: I'm an investor, get me out of here! Help clients survive the jungle with the power of five.
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.
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