One of the questions I often come back to—whether I am working with financial planning firms, writing, or building Money Wise UK—is a simple one:

I recently wrote a blog looking at one of the most debated topics in retirement:

One of the things I have always been passionate about is financial education.

There is a lot of debate around retirement income and how it should be approached.

Saving, in many ways, is the easier part of investing.

When you see adverts about retirement, it’s hardly surprising that the first question most people ask is:

I have written about this before, but it is worth revisiting.

I’m borrowing that headline to make a point.

When I started my consultancy two years ago, I didn’t expect that so much of my work—and writing—would focus on retirement.

If we look at markets over a single year, returns can be positive or negative, sometimes dramatically so. The probability of gains versus losses varies depending on conditions, valuations, and global events.

Most of us think we understand investing.

I’ve been involved in investing, on and off, throughout my career both personally and with the firms I’ve worked for and alongside. Over that time, I’ve learned something that isn’t talked about enough: