AES International Wealth Management & Employee Benefits Blog

The Scientific Investor

Intelligent ideas to make you healthy, wealthy and wise.

Blog Feature

Pensions | Financial Planning

Revealed: The biggest risks of the 4 percent retirement rule

By: Andrew Hallam
April 25th, 2018

You’ve probably heard of the 4 percent retirement rule.

It’s used to determine how much a retiree should withdraw from a retirement account each year.

The idea is the retiree receives a steady income stream, while maintaining a healthy account balance.

It’s considered safe by experts.

But what happens when it’s put to the test against falling markets?

And inflation-adjusted?

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Blog Feature

Pensions

Defined benefit pension transfers for expats: 10 critical facts

By: Stuart Ritchie
August 2nd, 2017

[Estimated reading time: 5 minutes]

  • But just because every other expat transfers their pension, that doesn’t mean you should. 

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Blog Feature

Pensions

How to turn £240 into a million-pound pension (for your grandchildren!)

By: Stuart Ritchie
April 5th, 2017

[Estimated time to read: 2 minutes]

Last year, my wife and I presented my parents with their first grandchild, Sophie.

Ever since, they can’t keep away - they come and stay, and for the entire duration of their visit, I barely see my daughter…

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Blog Feature

Pensions

4 final steps to securing your retirement income

By: Sam Instone
March 22nd, 2017

[Estimated time to read: 3 minutes]

Over the last 2 days you’ve been working your way through important steps to determine how much money you need to retire, and whether you’re on track yet.

Today, in the final part of my financial-educator-Andrew-Hallam-inspired-series

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Blog Feature

Pensions

Are you on track for financial freedom?

By: Sam Instone
March 21st, 2017

[Estimated time to read: 4 minutes]

As an expat, you’re likely to have a more transient life than your friends and family back home, and this can lead to both financial challenges and opportunities.

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Blog Feature

Pensions

Step-by-step guide to never running out of money in retirement

By: Sam Instone
March 20th, 2017

[Estimated time to read: 4 minutes]

Less than half of 55-65 year olds questioned for a UK survey said they expected their pensions to last more than 10 years.

How long will yours last?

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Blog Feature

Pensions

The differences between QROPS, QNUPS and SIPPs

By: Stuart Ritchie
March 6th, 2017

Updated October 18th 2017

[Estimated time to read: 10 minutes - read while you wait for your flight to be called]

The Chief Economist at the Bank of England, Andy Haldane recently said: "I consider myself moderately financially literate. Yet I confess to not being able to make the remotest sense of pensions.”

I feel your pain Andy…

But frankly, the confusion that clouds pensions is unnecessary.

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Blog Feature

Pensions

Can't afford to retire? Think again!

By: Sam Instone
February 22nd, 2017

[Estimated reading time: 5 minutes -  read while you enjoy your morning coffee]

It’s time to retire the long-accepted definition of retirement:

Noun: the action or fact of leaving one's job and ceasing to work.
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