What caught my eye this week. There’s a growing sense – I’d argue a reality – of intergenerational inequity in the UK, as with many other developed countries. Whether the old having so much more than the young is an inevitable consequence of late capitalism, a comorbidity of a broken housing market, the demographic bulge bracket baby boomers not paying their way, or just what happens when an economy is no longer booming like it […]

Sequence of return risk focuses on the timing of market drops and how early losses in retirement can reshape your entire income picture. You can average the same annualized returns as another retiree and still end up with very different results simply because your bad years arrived at the wrong time. Retirees who have saved diligently worry they could still fall behind simply because they retired at the wrong moment. That fear lies at the […]