January 2021

If you have done any significant saving you may feel like you are on top of the world…… ok but really retirement planning has often been compared to climbing a mountain. The climb up is likened to the accumulation of funds and the climb down has been compared to the distribution of that money. (You …

What is Sequence of return risk? Why Does it Matter Read More »

How much of your nest egg can you spend each year without running out of money in retirement? Most people would answer this way; if the market averages 7% or 8% then I should be able to withdraw that much and live off the interest. This logic could work if the market produced 7% or …

What is the 4% Rule and why it matters? Read More »