Will you outlive your money...or will it outlive you?

A typical couple spend 30 years in retirement and the biggest threat to their financial dignity is running out of money.

The only asset which reliably outperforms inflation over most time periods are global equities, in other words, investing in the Great Companies of the World.

Your default position should be investing 100% in equities. if you are uncomfortable with this, you can also invest in lower-volatility assets....however, this will mean lower returns and possibly running out of money unneccessarily.

More News, Insight & Opinion

Loan Trusts

A common problem we face is that we want our money to work hard for us, but then we worry that if we do well, the tax man is going to take 40% of it when we die. Continue

Pensions post April 2027

Currently if you die before April 2027 and are under age 75, your pension will pass to your beneficiaries tax-free. Continue

Pirates in Pinstripes

The large advice companies and banks market themselves as High Net Worth advisers. They overcomplicate matters and persuade those with larger portfolios that they need "bespoke advice". Why? Continue

Recognising Poor Financial Habits

If you recognise any of the following traits in yourself, please try to change them: Continue

Flexible ISAs

It is commonplace to search on the internet for the best Cash ISA available. You could be looking for instant access, a fixed term or something else. But providers do not make it very clear whether their product is flexible or not. Continue

Weapons of Mass Financial Destruction

The biggest risk to a client portfolio is running out of money in retirement. Continue

News, Resources, Insight and Opinion from Browning Financial Planning