Guides
Planning guides for UK investors
Plain-English explanations of the ideas behind retirement planning, and how to use them on your own numbers.
Planning basics
Monte Carlo simulation for retirement planning, explained
What a Monte Carlo simulation is, how it models thousands of possible market futures for your pension and investments, and how to read the results.
Retirement income
What is a gilt ladder? A guide for UK retirement income
How a gilt ladder works, why UK retirees use one to fund known spending, the trade-offs versus an annuity or drawdown, and how to size each rung.
Retirement income
The 4% rule: does it work for UK retirees?
Where the 4% withdrawal rule comes from, what it assumes, why UK investors should treat it with caution, and better ways to test a retirement income plan.
Risk
Sequence of returns risk: why the first years of retirement matter most
Sequence of returns risk explained with a worked example, and four practical ways UK retirees reduce the danger of a market fall early in retirement.