Category: Research

Timeline Survey: The results are in
Article -   Research
Mon, Jul 19, 2021

Timeline Survey: The results are in

As part of our commitment to the ongoing development and improvement of Timeline, our second annual survey was sent out earlier this year. Completed surveys were received from an impressive number of advisers and their data analysed to look at what we’re doing well and where we can improve.
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How has Covid-19 affected the UK's retirement finances?
Article -   Research
Tue, Mar 23, 2021

How has Covid-19 affected the UK's retirement finances?

A few recent studies have highlighted what impact the coronavirus pandemic has had on UK adults from each stage of the retirement journey.
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Longevity chart updates on Timeline
Article -   Research
Wed, Jan 27, 2021

Longevity chart updates on Timeline

We’ve made some tweaks to the way our Longevity Charts look and added some supplementary information to provide extra clarity.
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Abraham Okusanya‘s latest whitepaper on retirement spending patterns
Announcements -   Research
Wed, Jan 20, 2021

Abraham Okusanya‘s latest whitepaper on retirement spending patterns

Abraham Okusanya, has released a whitepaper that busts myths around retirement spending left, right and centre. Why? Because it’s imperative for people to have the facts when deciding when to retire, how much they might need, and the optimum amount they can spend during this critical final phase.
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Timeline – The Financial Equivalent of a Well-Fitted Bra
Article -   Research
Tue, Jan 19, 2021

Timeline – The Financial Equivalent of a Well-Fitted Bra

Timeline allows us to give our clients both the support and the confidence they need to make sound decisions about their future. In many ways, very similar to the support and confidence a woman would get from a well-fitted bra!
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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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Bengen’s 4% Rule Around The World
Research -   Case Studies
Mon, Apr 29, 2019

Bengen’s 4% Rule Around The World

How much can I draw from my retirement savings without running out of money? This is the 64-million-dollar question Bill Bengen attempted to answer in his seminal 1994 paper published in the Journal of Financial Planning.
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Retirement income options, happiness and a case of spurious correlation?
Research
Thu, Nov 22, 2018

Retirement income options, happiness and a case of spurious correlation?

A fascinating new paper by L&G titled Retirement Income Riddle: New perspectives on how we make financial choices and their impact on our well-being attempts to look at the relationship between happiness and the retirement income option that people choose.
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Probabilistic Thinking and Retirement Income Planning
Research
Tue, May 29, 2018

Probabilistic Thinking and Retirement Income Planning

The fundamental question we’re trying to answer in retirement planning is this: will the money outlive the people or will the people outlive the money? The problem is we simply won’t know for sure until the event has happened, by which time it’s too late to plan.
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