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Deaccumulation

How do the pension drawdown rules work? Here’s our best attempt to cut through the faff and explain them as simply as possible

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Today we are introducing a new Monevator investing experiment – a live trial of a retirement portfolio and its accompanying withdrawal strategy. We’ve been updating our model Slow & Steady accumulation portfolio for nearly 13 years now. Our new experiment – the No Cat Food portfolio – will be its decumulation equivalent.  The purpose: to help [...]

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Exploring social care options that are available to all.

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This is part six of a series on planning and paying for later life social care costs. We’ve previously: Explored why your care needs likely won’t be funded by the state. Discussed the means test, and which of your assets are counted or disregarded. Highlighted the mechanics of the key social care funding thresholds that [...]

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How to pay social care costs with modest retirement resources.

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How to estimate social care costs to improve your retirement plan

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Learn how the social care thresholds determine your funding fate

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How your major assets are included and excluded from the means test for social care funding

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How to deal with the financial black hole of long-term social care – part 1 of our mini-series.

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The Accumulator sets alight the torch of freedom and goes full FIRE. TLDR: he’s left work for good.

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Fair enough, I haven’t prepared the stables for the Four Horsemen Of The Apocalypse.

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In which the sleepy Accumulator dares to sex up his decumulation strategy…

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Decumulation: a real life plan

The increasingly misnamed Accumulator reveals his decumulation plan.

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I hit my FI number

The Accumulator enters the promised land after many years of wandering the desert. But does he really like milk and honey?

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A complete walkthrough of the calculation for maximising your UK tax shelters to achieve FI in the fastest timeframe.

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How to pick the best SWR for your ISA and pension to ensure a speedy FI day.

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