Designing a retirement portfolio is one of the thorniest problems in investing. The mix of assets you choose dramatically affects how much you can safely spend during retirement. Withdraw too much from your pot, and you risk running out of money.

We’re joined by the creator of Portfolio Charts to examine optimal asset allocation. Tyler has modelled retirement scenarios around the world, identifying portfolios that help you sleep well at night and make the most of your money.

Selected links

• Global Withdrawal Rates – Portfolio Charts
• What Global Withdrawal Rates Teach Us About Ideal Retirement Portfolios

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Disclaimer

This podcast is for informational and entertainment purposes and is not financial advice. We do not provide recommendations or endorse any decision to buy, sell or hold any security. We cannot be held responsible for any actions listeners may take and investors are encouraged to seek independent financial advice.

Copyright 2023 Many Happy Returns

With valuations stretched, American stocks need to deliver the goods this earnings season. Companies must grow their profits and defend their margins or risk the end of the S&P 500 bull market. And in today’s Dumb Question of the Week: What is a ‘blackout period’?

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Ready to claim your FREE share? 

1️⃣ Open a Freetrade account via Freetrade.io/pensioncraft

2️⃣ Fund your account with at least £50 

3️⃣ Freetrade will drop the free share into your account within 7-10 days! 

Thanks to Freetrade for sponsoring this episode. 

Capital at risk. The probability is weighted, so more expensive shares will be rarer. T&Cs apply.

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Disclaimer

This podcast is for informational and entertainment purposes and is not financial advice. We do not provide recommendations or endorse any decision to buy, sell or hold any security. We cannot be held responsible for any actions listeners may take and investors are encouraged to seek independent financial advice.

Copyright 2023 Many Happy Returns

Many investors favour stocks that pay a high dividend, opting to live off the cash they generate. Even stingy US tech companies have started to pay dividends. But does a strategy focussed on income make sense? And in today’s Dumb Question of the Week: What is ‘Shareholder Yield’?

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Get a FREE share 🎁worth between £10 and £100, exclusively for Many Happy Return's listeners.

Ready to claim your FREE share?

1️⃣ Open a Freetrade account via Freetrade.io/pensioncraft

2️⃣ Fund your account with at least £50

3️⃣ Freetrade will drop the free share into your account within 7-10 days!

Thanks to Freetrade for sponsoring this episode.

Capital at risk. The probability is weighted, so more expensive shares will be rarer. T&Cs apply.

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Get in touch

📧 [email protected]

🎧 many-happy-returns.captivate.fm

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Join PensionCraft

🌐 Become a member at pensioncraft.com

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Disclaimer

This podcast is for informational and entertainment purposes and is not financial advice. We do not provide recommendations or endorse any decision to buy, sell or hold any security. We cannot be held responsible for any actions listeners may take and investors are encouraged to seek independent financial advice.

Copyright 2023 Many Happy Returns

A stock market crash early in retirement can leave you struggling to live off your investments. We discuss de-risking our portfolios and how to manage ‘sequence of returns’ risk. And in today’s Dumb Question of the Week: Is a stock market crash good for long-term returns?

Thanks to Freetrade for sponsoring this episode.

Sign up at Freetrade.io/pensioncraft to get a free share worth between £10 and £100.

When you invest, your capital is at risk. The probability is weighted, so more expensive shares will be rarer. T&Cs apply.

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Get in touch

📧 [email protected]

🎧 many-happy-returns.captivate.fm

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Join PensionCraft

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Disclaimer

This podcast is for informational and entertainment purposes and is not financial advice. We do not provide recommendations or endorse any decision to buy, sell or hold any security. We cannot be held responsible for any actions listeners may take and investors are encouraged to seek independent financial advice.

Copyright 2023 Many Happy Returns

The Bank of England has been criticised for its failure to foresee high inflation. A damning new report takes aim at the central bank’s forecasting process and urges a major overhaul. And in today’s Dumb Question of the Week: What is 'quantitative tightening'?

Thanks to Freetrade for sponsoring this episode.

Sign up at Freetrade.io/pensioncraft to get a free share worth between £10 and £100.

When you invest, your capital is at risk. The probability is weighted, so more expensive shares will be rarer. T&Cs apply.

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Get in touch

📧 [email protected]

🎧 many-happy-returns.captivate.fm

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Join PensionCraft

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Disclaimer

This podcast is for informational and entertainment purposes and is not financial advice. We do not provide recommendations or endorse any decision to buy, sell or hold any security. We cannot be held responsible for any actions listeners may take and investors are encouraged to seek independent financial advice.

Copyright 2023 Many Happy Returns

Investing a lump sum is a big decision that comes with great responsibility. Should you be conservative with your newfound wealth? Should you pile into markets straight away or drip feed slowly over time? And in today’s Dumb Question of the Week: What does FSCS protection cover?

Thanks to Freetrade for sponsoring this episode.

Sign up at Freetrade.io/pensioncraft to get a free share worth between £10 and £100.

When you invest, your capital is at risk. The probability is weighted, so more expensive shares will be rarer. T&Cs apply.

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Get in touch

📧 [email protected]

🎧 many-happy-returns.captivate.fm

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Disclaimer

This podcast is for informational and entertainment purposes and is not financial advice. We do not provide recommendations or endorse any decision to buy, sell or hold any security. We cannot be held responsible for any actions listeners may take and investors are encouraged to seek independent financial advice.

Copyright 2023 Many Happy Returns

Daniel Kahneman was the pioneer of behavioural economics and won a Nobel Prize for his work on cognitive biases. By explaining how a litany of psychological missteps skew our decisions, few people have had more influence on investing. We discuss how Kahneman improved our investing judgement and taught us to manage risk intelligently. And in today’s Dumb Question of the Week: Are stock analysts’ price targets worth anything?

Thanks to Freetrade for sponsoring this episode.

Get a free share worth between £100 and £2,100 when you open & top up, or transfer an ISA and/or SIPP. Head over to: Freetrade.io/transfer. New and existing customers. Min £10k transfer or top up. Annual subscription required.

Capital at risk. ISA and SIPP eligibility, tax rules and T&Cs apply. Free share value varies on the amount topped up or transferred. The value of your investments can go down as well as up and you may get back less than you invest. Tax treatment depends on personal circumstances and current rules may change.

At present, Freetrade only supports Uncrystallised Fund Pension Lump Sums (UFPLS) for customers who wish to withdraw funds from their SIPP after their 55th birthday. We strongly encourage you to seek financial advice before making any withdrawals from your SIPP.

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Get in touch

📧 [email protected]

🎧 many-happy-returns.captivate.fm

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Join PensionCraft

🌐 Become a member at pensioncraft.com

▶️ Subscribe on YouTube

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Disclaimer

This podcast is for informational and entertainment purposes and is not financial advice. We do not provide recommendations or endorse any decision to buy, sell or hold any security. We cannot be held responsible for any actions listeners may take and investors are encouraged to seek independent financial advice.

Copyright 2023 Many Happy Returns

US regulators have swung for the fences, accusing Apple of running an illegal smartphone monopoly. But will the legal cases facing big tech firms hurt stock prices?

Thanks to Freetrade for sponsoring this episode.

Get a free share worth between £100 and £2,100 when you open & top up, or transfer an ISA and/or SIPP. Head over to: Freetrade.io/transfer. New and existing customers. Min £10k transfer or top up. Annual subscription required.

Capital at risk. ISA and SIPP eligibility, tax rules and T&Cs apply. Free share value varies on the amount topped up or transferred. The value of your investments can go down as well as up and you may get back less than you invest. Tax treatment depends on personal circumstances and current rules may change.

At present, Freetrade only supports Uncrystallised Fund Pension Lump Sums (UFPLS) for customers who wish to withdraw funds from their SIPP after their 55th birthday. We strongly encourage you to seek financial advice before making any withdrawals from your SIPP.

---

Get in touch

📧 [email protected]

🎧 many-happy-returns.captivate.fm

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Join PensionCraft

🌐 Become a member at pensioncraft.com

▶️ Subscribe on YouTube

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Disclaimer

This podcast is for informational and entertainment purposes and is not financial advice. We do not provide recommendations or endorse any decision to buy, sell or hold any security. We cannot be held responsible for any actions listeners may take and investors are encouraged to seek independent financial advice.

Copyright 2023 Many Happy Returns

Stock markets have hit all-time highs in recent weeks, with bitcoin and gold joining the party. Inevitably, people ask, “Is this a bubble?!” And in today’s Dumb Question of the Week: What’s the difference between investing and speculation?

Thanks to Freetrade for sponsoring this episode.

Get a free share worth between £100 and £2,100 when you open & top up, or transfer an ISA and/or SIPP. Head over to Freetrade.io/transfer. New and existing customers. Min £10k investment. Annual subscription required. Limited time offer.

Capital at risk. ISA and SIPP eligibility, tax rules and T&Cs apply. Free share value varies on the amount topped up or transferred. Ends 5 April 2024.

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Get in touch

📧 [email protected]

🎧 many-happy-returns.captivate.fm

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Join PensionCraft

🌐 Become a member at pensioncraft.com

▶️ Subscribe on YouTube

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Disclaimer

This podcast is for informational and entertainment purposes and is not financial advice. We do not provide recommendations or endorse any decision to buy, sell or hold any security. We cannot be held responsible for any actions listeners may take and investors are encouraged to seek independent financial advice.

Copyright 2023 Many Happy Returns

ESG funds lured investors with the promise of simultaneously saving the planet and achieving higher returns. But after years of inflows, investors are pulling their money. Is there a better approach to sustainable investment? And in today’s Dumb Question of the Week: Why are there multiple oil prices?

Thanks to Freetrade for sponsoring this episode. 

Get a free share worth between £100 and £2,100 when you open & top up, or transfer an ISA and/or SIPP. Head over to Freetrade.io/transfer. New and existing customers. Min £10k investment. Annual subscription required. Limited time offer. 

Capital at risk. ISA and SIPP eligibility, tax rules and T&Cs apply. Free share value varies on the amount topped up or transferred. Ends 5 April 2024.

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Get in touch

📧 [email protected]

🎧 many-happy-returns.captivate.fm

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Join PensionCraft

🌐 Become a member at pensioncraft.com

▶️ Subscribe on YouTube

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Disclaimer

This podcast is for informational and entertainment purposes and is not financial advice. We do not provide recommendations or endorse any decision to buy, sell or hold any security. We cannot be held responsible for any actions listeners may take and investors are encouraged to seek independent financial advice.

Copyright 2023 Many Happy Returns

With just one month until the end of the UK tax year, it’s time to review our family finances, make the most of our annual allowances and optimise our investments. And in today’s Dumb Question of the Week: What is 'bed and breakfasting’?

Thanks to Freetrade for sponsoring this episode.

Get a free share worth between £100 and £2,100 when you open & top up, or transfer an ISA and/or SIPP. Head over to Freetrade.io/transfer. New and existing customers. Min £10k investment. Annual subscription required. Limited time offer.

Capital at risk. ISA and SIPP eligibility, tax rules and T&Cs apply. Free share value varies on the amount topped up or transferred. Ends 5 April 2024.

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Get in touch

📧 [email protected]

🎧 many-happy-returns.captivate.fm

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Join PensionCraft

🌐 Become a member at pensioncraft.com

▶️ Subscribe on YouTube

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Disclaimer

This podcast is for informational and entertainment purposes and is not financial advice. We do not provide recommendations or endorse any decision to buy, sell or hold any security. We cannot be held responsible for any actions listeners may take and investors are encouraged to seek independent financial advice.

Copyright 2023 Many Happy Returns