Investing For Longevity

[@dduplis]

Best podcast ever. And this is the absolute and most informative episode. I learnt so much. Thanks Pete!!

[@rajshu6408]

Thankyou Pete Matthews you truly are a Great Teacher. Keep up the Great Work.

[@joshuaalfred8307]

Amazing. Brilliant. Thanks so much Pete. Cashflow ladder and selling bonds first is exactly what I have been looking for information on, but one that I have found rarely gets talked about. How can one plan for retirement and determine target allocations without knowing how we should manage cashflow during retirement to avoid selling during downturns?

[@beckylee3356]

Hi Pete - I have just discovered your channel after many recommendations from the FIRE community and they were all completely right! Thank you so much for what you do and being able to explain what can be very complicated principals into very easy to understand for the average person! I am loving your videos and have subscribed to your channel . To be able to communicate so easily to your audiendce like you do is definately a real skill and talent and you have defiantely gained a new fan in me ! :) Just a quick question - when you talk about putting 2 years living expenses in cash - do you mean putting this money into normal instant access saving accounts or somewhere else? Keep up the fab work Pete! :)

[@MeaningfulMoney]

Very kind Becky - appreciate it! To answer your question, the two years’ cash reserve can be kept anywhere, as long as it is accessible. So your first year should be kept in an instant access account ideally, and the second year could be held in a one-year fixed term deposit maybe, ready to mature when the first year is done. HTH - Pete

[@beckylee3356]

MeaningfulMoney yes that does help thank you!

[@rudged123]

The suggestion you should avoid selling equities during an economic turndown makes a lot of sense, but it presumes you know the markets are in the midst of an economic downturn at the time. I suspect what is needed is more along the lines of a strategy to compensate once in retrospect you determine that during the past year, the overall equity portion of your portfolio has declined.

[@willlsmith8063]

Awesome Pete

[@presterjohn71]

I Have two pensions, one a works CARE pension which is pretty good and set to come online at 67 the other will be worth about £65k in a stocks and shares ISA. If the markets are good and the share prices are high I'm planning to go down to part-time at 60 and retire at 65 and doing that frugally drawing down via the ISA. I will save my big purchase and more comfortable living for when the state pension and my main pension kick in at 67. Am I kidding myself that this is doable? The mortgage has been cleared and I have not debts.

[@tekootianderson]

Bat for tea tonight? I couldn't imagine chewing on bat wings like chicken wings. Lol

[@arsenalfootballuk]

Dib dib love it 😂😂😂

[@basketballpinoy]

Thank you Pete, very informative! New subscriber today! Can I have your honest and friendly opinion please regarding my SIPP, I'm 45 yo, no savings but managed to transfer my old work pension of 30K to SIPP very recently. I'm highly considering investing them on 2 etf, EQGB (20K), IUSA (10K), plus continue my contribution of £300 per month for long-term hold of 10 years or even until I retire at 67 yo. What is your thoughts on this please! Thank you

[@MeaningfulMoney]

Sorry SB - more than my career is worth to offer financial advice in the KZbin comments. I'm prohibited by law from offering suggestions to specific situations unless there's a regulated advice agreement in place - sorry and good luck!

[@basketballpinoy]

@@MeaningfulMoney I understand, thank you!