Will Guyton-Klinger guardrails allow me to withdraw 7% a year?
Do Guyton-Klinger guardrails allow us to take 7% from our portfolio from the first decade of retirement? Does a cash buffer help?
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- Sep 8
- 7 min
Renaissance Technologies. The greatest hedge fund of all? Updated for 2024
We examine what many consider the greatest hedge fund of all time: Renaissance Technologies. What's its secret?
- Sep 8
- 3 min
Book Review: 'Smarter Investing' (4th Edition) by Tim Hale
Tim Hale's book gives you all you need to build a robust portfolio, taking you all the steps from the evidence to actual implementation.
- Aug 21
- 7 min
Why we don't rely on cashflow software when planning retirement income
Cashflow modelling software is often used to evaluate the feasibility of client objectives. We identify the limitations of this approach.
- Jul 29
- 9 min
Factor investing hasn't worked for 15 years. Why do we still use it?
We take a deep dive into all things factor-related. Performance over the last decade hasn't been great. So why do we stick with it?
- Jul 29
- 7 min
Are stock markets efficient? No, but they are for you!
Market efficiency is often talked about in binary terms, being described as "efficient" or "not efficient". Our view: "It's complicated!"
- Jun 20
- 5 min
Investing: what is working now? Summer 2024 edition
We examine recent investment trends over the last few years and use the Scoville scale to compare their relative "hotness"
- Jun 10
- 7 min
Could a star fund manager send your retirement into a black hole?
Investing your retirement portfolio with "market-beating" star fund managers can seem very appealing. Does the reality live up to the hype?
- May 26
- 6 min
The most efficient way to blow up your retirement plan
In a perfect world, retirees would hold diversified portfolios, pay low fees and not misbehave. How might things look in an imperfect world?
- May 17
- 5 min
Living too long - how bad is it for your retirement plan?
People are living longer. How might you have to alter your retirement lifestyle if you are worried that you might live longer than planned?
- May 15
- 3 min
Happy first birthday to Pyrford Financial Planning!
Pyrford Financial Planning is one year old! We say a few thank yous and discuss why it's a great time to run a financial planning firm.
- May 9
- 2 min
Retirement planning concepts that sound good in theory
There are many retirement planning concepts that claim to offer beneficial retirement outcomes. This post aggregates our research
- May 7
- 3 min
Smoothed funds - the holy grail of retirement planning?
Smoothed funds are often claimed to reduce portfolio volatility during turbulent markets. We investigate whether these claims stack up.
- Apr 27
- 4 min
Using a natural income strategy. The natural choice?
The natural income strategy involves a retiree living off the income from their portfolio. We examine the downsides.
- Apr 24
- 6 min
Sequence of Returns Risk. A misunderstood concept?
Sequence of Returns Risk is seen by some as a tiger waiting to pounce at the first sign of market volatility. Do they have valid concerns
- Apr 5
- 10 min
Using the Guyton Klinger withdrawal guardrails - updated for 2024
Guyton-Klinger guardrails aim to improve upon Bill Bengen's research. Should retirees use this framework? What are the downsides?
- Apr 2
- 3 min
Increasing client engagement with the One-Page Financial Plan
The One-Page Financial Plan is a high-level summary of the underlying financial plan. Read how we tweaked the process to increase engagement
- Mar 31
- 4 min
Buffett's $1m bet with the hedge funds. What did it really teach us?
In 2008, Warren Buffett wagered that the S&P 500 would outperform a basket of hedge funds over the decade. What can we learn from this?
- Feb 28
- 5 min
Does buying an annuity improve retirement income sustainability?
Annuity rates have improved in recent times. Can they now help to create a more sustainable retirement income?
- Feb 27
- 7 min
The S&P 500 lost decade - how to protect your retirement
The S&P 500 has generated strong returns in recent years. But should you invest all of your retirement savings in this index?
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