Life After Full-time Work Blog

I’ve talked a lot about risk, particularly the impact of uncertainty in investment returns, all the way through. Here I’ll gather together a lot of those thoughts, give them names, and set them out in a way that gives you a framework for the sequence in which you can make risk decisions.

So now, through the personal funded ratio calculation, you have an idea of where you are, relative to your target. What if you’re above your target? Or below? How does that affect your lifestyle options?

Our exemplary couple decide that they want to play with the numbers, a little bit.

It’s time to assemble the facts required for a funded ratio calculation. If you’ve never done it before, gathering the information is not always easy. Here’s how one couple did their best, even though it was far from perfect.

In this post I explain how to use the Personal Funded Ratio calculator that’s on the website: the principles it’s based on, the questions it can answer, the information you need to provide, where and how I’ve imposed limitations on its flexibility – that sort of thing.

In practice we may add to our savings if we receive an inheritance, and we may want to leave bequests in addition to providing for life after full-time work. In this post we look at how to accommodate those aspects.

There’s a simple concept that is extremely useful. Just compare how much you’ve got with how much you need! Here’s how to apply that concept to see how far you’ve come.

Wouldn’t it be great if we had enough money to create a lifetime income stream, and could live forever in the home we own? Sure! But all too often we need to use our home to help generate that income stream. This post explains four ways to do so.

So here we are, we’ve saved and invested, and we’re ready to stop working and convert our assets from a lump sum into a flow of retirement income that can be sustained for the rest of our life. How can we do that?

There are things that we should be aware of, that could upset our post-work lives from evolving as we hope. Here’s what we can consider, in case one of them appears in our path.