In this blog:

1. Is cheaper better in investments?

2. What are you expecting?

3. It’s not just you – the proof

4. Chapter 5 – your retirement

5. This is the new Key Chart

In this blog:

1. We have a huge amount of respect for Christine Lagarde

2. If you like a lot of chocolate on your biscuit…

3. Investing in reverse

4. Remember Harry Patch

5. What a discretionary portfolio looks like – and what they charge you. Or, this is what Consumer Duty is all about.

6. Valuations and hot air

7. “I need a pension of £60k per year, I’ve got £90k in my pension”

8. Pay rises in 2023 – what’s in your wallet?

In this blog:

1. Buy your pension at a discount

2. The maths is simple

3. Putting the jigsaw pieces together – use the data, not the crystal ball

4. Recycling your ISA – don’t forget it

5. Are you wealthy? How do you rate?

In this blog:

1. Inflation versus dividends: the relevant data

2. The Rolls Royce Pension Scheme, or, ‘Why doesn’t everyone do this?’

3. Fees, charges, costs and commissions

4. Commission or fee – what’s the difference?

5. Handouts to the kids

6. Help – she’ll just spend it

In this blog:

1. Talking about racing cars and autogyros, have you done your LPA?

2. Open or closed? Differences between investment trusts and unit trusts

3. The SONG and dance

4. The tax man speaks – Lifetime Allowance update

In this blog:

1. Capital and income are not correlated

2. Boringly predictable

3. Inflation – what goes up must come down

4. And while we’re here… is this a trigger?

5. Solicitors look away now

In this blog:

1. The Magic Money Machine

2. £90,000 per year, net, for life, inflation adjusted. The aNewuity: when ‘pension’ means ‘income’.

3. “What were you thinking?”

In this blog:

1. Get one investment decision right per year

2. Interest rates – running away with the money

3. Ahhh Google, what have you done?

4. If the money feels tight, consider the pricing involved in the tech you are buying

5. A tale of two mortgages

In this blog:

1. Example: National Grid 2024 5.875%

2. All 747’s are planes, but not all planes are 747’s

3. Lifting the lid on part of our analysis

In this blog:

1. Get the size right – too big can be catastrophic

2. Getting the size wrong can be fatal as well

3. Rachel Reeves and the Lifetime Allowance Show

The Telegraph runs a weekly column called the Telegraph Money Makeover – readers write in if they are seeking help with their finances and the journalist of the day contacts firms like ours to ask if we’d like to write in with recommendations in return for getting name-checked in the paper (we’ve been there several times over the last few years)…

In this blog:

1. The 5 ways to get income from your pension

2. Bonds at that mythical 5%

3. Never pay full rate 40% or 45% income tax again

In this blog:

1. Question 1 – do you need your income guaranteed or not?

2. Question 2 – is this an area of your expertise?

3. Possible vs probable vs guaranteed

4. The most important element of the objective

In this blog:

1. Periodic active v passive reconciliation

2. The Vanguard question

In this blog:

1. The $12.5 million idea

2. Moneyball for pensions

3. We are data analysts

4. Good recipe, but what’s the cake like?

5. So long, farewell

6. And Alan did run

7. Almost Methuselah

In this blog:

1. “Is the manager in?”

2. You don’t need to calculate the distance to the sun, remember Pythagoras, or measure the visibility to see the horizon.

3. Do you have £1 million?

In this blog:

1. How not to drive into an investment wall

2. Problem 1

3. Problem 2

In this blog:

1. Asset rich, and cash poor

2. Tontine, not Tonto

3. Lifetime Allowance - a note from Martin

In this blog:

1. Don’t ignore the objective and debate the detail

2. Starting with the basics

3. Two rules of thumb that investors should accept and not debate

4. Why doesn’t everyone do this?

The internet can be a wonderful thing, and we think that the site at visualcapitalist.com has some interesting compilations of statistics. Here’s one that sticks out: if you’ve ever wondered if the French really are the work-shy-gilets-jaunes who retire as soon as they’ve learned to grow vines in the garden, well…