People’s expenses change in retirement. Shouldn’t their income too?

Conventional wisdom says that living expenses rise uniformly with inflation, so many financial plans are based simply on that. But analysing the spending patterns of retirees shows us that the data tells a different story.

Disruption – more of the same?

Our technology survey indicated that the long-term, short-term and investment sectors all experienced disruption over the past 18 months. Results (Fig. 1) indicate that the long-term sector was most affected, but both the […]