The financial world is awash with ratios one form or another. Many are useful, some need to be taken in balance with other information and some are just contrived. In […]
Read moreCategory: Investment Strategy
SIPP vs ISA – The Tax hit and benefit of deliberate drawout
It slightly irks me that now we have FIRE’d we don’t have the income any more to further add to our ISA’s, but rather take from our investments what […]
Read moreAllan’s Dilema
My brother has just been made redundant and asked for a pension statement as he can legally take his pension now (albeit at a reduced rate). A basic 2 […]
Read moreSIPP vs ISA
In the near future we may well have some free cash to re-invest. Been mulling over the two possibilities of putting into an ISA or into a SIPP, specifically, […]
Read moreCash Reserve – do we need a Thimble or Bucket ? Is it a Necessity or Comfort Blanket ?
In October I started the transition to drawing out of my pension funds. I am only taking the minimums to avoid taxation this financial year (to March 2020) and then […]
Read moreSafe Withdrawal Rate – but what does it mean for a fund size ?
There has been a lot written on Safe Withdrawal Rates already. I read a book by Abraham Okusanya called “Beyond the 4% Rule” (ISBN: 978-1985721647). Most interesting. Then there is […]
Read moreUK Sequence Risk & Brexit
We have had one of the longest bull runs in a century and there is an innevitability of a correction. But how big. Well the Dow and FTSE have […]
Read moreIPS or FPS – Investment Policy Statement or Fire Policy Statement ?
A few weeks ago I wrote an article on article on an Investment Policy Statement. It came to the conclusion it was a ‘must do’ thing not least because should […]
Read moreIs a Gilt Ladder a Good Thing ?
Been musing on the relative value of a Total Return approach (as advocated by many in the US fatFIRE area) or a more relativistic approach. Let me explain…. One of […]
Read moreAre you an Investor or Gambler ?
How certain is certain ? How can we be sure when we look at an investment ? Do we really get the risks and are we able to really […]
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