S5E6: Investing In Retirement, with Abraham Okusanya
The Meaningful Money Personal Finance Podcast
Pete Matthew
4.9 • 1.7K Ratings
🗓️ 5 April 2017
⏱️ 49 minutes
🧾️ Download transcript
Summary
I’m delighted to welcome back Abraham Okusanya of Finalytiq to help me cover a topic which is so important - investing in retirement. It’s important because if there’s one time in your life you really can’t afford to get it wrong, then it’s in retirement.
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This podcast is brought to you with the help of Seven Investment Management, a firm of investment managers based in London. They specialise in multi-asset investing, bringing institutional investing techniques to ordinary people like you and me. 7IM put their name to my show and to my site because they believe in what I’m doing, trying to get decent, easy-to-understand financial information out to the world. I’m very grateful to them for their support. You can see what they’re up to at 7im.co.uk
Investing in Retirement
The traditional view of investing in retirement is to reduce the risk of your pensions and other investments as you approach the great transition, and then cruise through retirement, being fairly cautious, hopefully not spending too much.
These days, there is quite a bit to think about, particularly thanks to the pensions freedoms which mean more people than ever are opting not to secure an income with an annuity but opt for unsecured income drawdown instead.
In this session you will learn:
- The key considerations for investing in retirement
- Why the Pensions Freedoms of 2015 are so important and what they mean for you
- The difference between a chicken and an egg
- The dangers of sequencing risk
- Some strategies for mitigating that risk
- Some ideas as to the order in which you should spend your money
- The difference between investing for natural income or total return, and why it matters
Resources
Website: Abraham's company, Finalytiq App: Timeline - The Safe Withdrawal app Social: Abraham on Twitter
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Transcript
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| 0:00.0 | Hi folks and welcome to the Meaningful Money podcast Season 5, Episode 6. |
| 0:12.4 | This is the podcast dedicated to helping you put your finances in order. My name is Pete Matthew |
| 0:18.4 | and I'm going to share with you everything you need to know and everything you need to do to secure your financial future. I'm here to help you make sense |
| 0:25.5 | of money. Hello, hello, great to have you with me once again. I'm delighted this week to welcome back |
| 0:38.3 | Abraham Ocasonia of Finaletic, good friend of mine. Abraham's going to help me cover a topic which |
| 0:44.0 | is just so important, which is investing in retirement. It's important because, well, let's face it, |
| 0:50.9 | if there's one time in your life you really can't afford to get things too far wrong, then it's in retirement. |
| 0:57.0 | Okay, so that's the subject of today's episode. |
| 0:59.7 | I think you're going to enjoy my conversation with Abraham. |
| 1:02.0 | There's actually some great takeaways for investing generally. |
| 1:05.9 | So after my conversation with Abraham, I'll look at review that somebody's very kindly left me this week |
| 1:11.4 | announce what we're going to be talking about next time. Usual drill. But as ever, remember, |
| 1:15.6 | this podcast is brought to you with the very kind help of my friends at Seven Investment Management. |
| 1:20.6 | They're a firm of investment managers based in London, and they specialize in multi-asset investing, |
| 1:25.8 | which brings institutional level investing techniques to ordinary people, just like you and me. |
| 1:30.9 | 7 IM have been supporting me here for five years now because they believe in what I'm doing, trying to get decent, easy to understand, easy to put into action, financial information out to those who need it. |
| 1:41.5 | Please do check out what they're up to. I'm really grateful to them for continuing to support me. They're at 7im.com.uk. That's the number 7im.com.com. Now, the |
| 1:51.5 | traditional view of investing in retirement was to reduce the risk of your pension funds and other |
| 1:59.3 | investments as you approach this great transition, |
| 2:02.4 | and then maybe cruise through retirement being fairly cautious, |
| 2:05.8 | hopefully not spending too much and not running out before you die. |
| 2:10.4 | These days, there's quite a bit to think about, really, particularly thanks to the |
... |
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