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Retirement Investing board question

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Degsy67
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Re: Retirement Investing board question

#421741

Postby Degsy67 » June 23rd, 2021, 8:29 pm

Just wanted to add my voice to the suggestion of a board focused on decumulation. I’d also agree that this is distinct from Pensions Practical Problems. Would also be worthwhile making a distinction between the aspects of FIRE which are about accumulating, achieving FIRE and stepping over the edge from the practical aspects of drawdown when you’re across on the other side.

Degsy

Itsallaguess
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Re: Retirement Investing board question

#421743

Postby Itsallaguess » June 23rd, 2021, 8:35 pm

Degsy67 wrote:
Just wanted to add my voice to the suggestion of a board focused on decumulation.

I’d also agree that this is distinct from Pensions Practical Problems. Would also be worthwhile making a distinction between the aspects of FIRE which are about accumulating, achieving FIRE and stepping over the edge from the practical aspects of drawdown when you’re across on the other side.


Managing
Independent
Life
Finances

Cheers,

Itsallaguess

mc2fool
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Re: Retirement Investing board question

#421745

Postby mc2fool » June 23rd, 2021, 8:40 pm

Itsallaguess wrote:
Degsy67 wrote:
Just wanted to add my voice to the suggestion of a board focused on decumulation.

I’d also agree that this is distinct from Pensions Practical Problems. Would also be worthwhile making a distinction between the aspects of FIRE which are about accumulating, achieving FIRE and stepping over the edge from the practical aspects of drawdown when you’re across on the other side.


Managing
Independent
Life
Finances

Cheers,

Itsallaguess

:lol: And said with a totally straight face (well, without any smileys at least....) :lol:

DrFfybes
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Re: Retirement Investing board question

#423595

Postby DrFfybes » June 29th, 2021, 10:12 pm

Decumulation
Including
Retiring
Early,

Supplementing
Retirement
And
Inheritance
Tax
Strategies

aka "Money for Nothing"

Paul

csearle
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Re: Retirement Investing board question

#423599

Postby csearle » June 29th, 2021, 10:20 pm

DrFfybes wrote:Decumulation
Including
Retiring
Early,

Supplementing
Retirement
And
Inheritance
Tax
Strategies

aka "Money for Nothing"

Paul
Spelling?

MDW1954
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Re: Retirement Investing board question

#423836

Postby MDW1954 » June 30th, 2021, 8:37 pm

csearle wrote:
DrFfybes wrote:Decumulation
Including
Retiring
Early,

Supplementing
Retirement
And
Inheritance
Tax
Strategies

aka "Money for Nothing"

Paul
Spelling?


Looks OK to me...?

MDW1954

scrumpyjack
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Re: Retirement Investing board question

#423838

Postby scrumpyjack » June 30th, 2021, 8:51 pm

DIRE SRAITS

s/b
DIRE STRAITS ?

DrFfybes
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Re: Retirement Investing board question

#423855

Postby DrFfybes » June 30th, 2021, 11:33 pm

scrumpyjack wrote:DIRE SRAITS

s/b
DIRE STRAITS ?


Forgot to capitalise the 'T' in ReTirement"

;)

swill453
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Re: Retirement Investing board question

#423858

Postby swill453 » July 1st, 2021, 12:07 am

DrFfybes wrote:
scrumpyjack wrote:DIRE SRAITS

s/b
DIRE STRAITS ?


Forgot to capitalise the 'T' in ReTirement"

;)

SRTAITS?

Scott.

Gengulphus
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Re: Retirement Investing board question

#423873

Postby Gengulphus » July 1st, 2021, 7:35 am

DrFfybes wrote:
scrumpyjack wrote:DIRE SRAITS

s/b
DIRE STRAITS ?


Forgot to capitalise the 'T' in ReTirement"

;)

Or possibly the 'T' in 'SupplemenTing'? ;-)

Gengulphus

MDW1954
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Re: Retirement Investing board question

#423926

Postby MDW1954 » July 1st, 2021, 11:29 am

scrumpyjack wrote:DIRE SRAITS

s/b
DIRE STRAITS ?


Oops! Vertical reading was never my thing....

MDW1954

Gilgongo
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Re: Retirement Investing board question

#424353

Postby Gilgongo » July 3rd, 2021, 8:32 am

So if I may summarise the disucussion as I underand it so far:

1. Most people seem to agree that those wishing to discuss decumulation issues are not as well served as those who are interested in accumulation.

2. Decumulation stategies and issues are sufficiently different to those of accumulation before retirement to have a dedicated place in which to discuss them.

3. Because accumulation in retirement is also something that happens (be it either as part of re-balancing or incporporating new income etc.) that has to be taken into consideration too. So it's not just decumulation that's the issue.

4. Since Pension Freedoms legislation in 2014, and the passing of FS pensions and annuities, decumulation is likely to become more relevant to more people over time.

I think the main proposal so far is to split out the "FIRE" topic of "Retirement Investing (inc FIRE)" into a separate board and have rename the current retirement board to be spcifically about both accumulation and decumulation in retirement.

This would leave other boards for investing youths to address pre-retirement accumulation topics of various flavours (FIRE, HYP, passive, technical, other...).

G

tjh290633
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Re: Retirement Investing board question

#424538

Postby tjh290633 » July 3rd, 2021, 9:50 pm

As I see it, the proposal would be to have two boards, Investing prior to retirement and Investing when retired.

I think those titles are more appropriate than Accumulation and Decumulation, the latter being an awkward word which does not adequately express the processes of taking income naturally, as some or all of the dividend income, and that of gradually releasing capital from the portfolio. An annuity would follow the latter route, by having maturities at phased times, hopefully with the last date after the anticipated life expectancy has been achieved. Swings and roundabouts ensure that an annuity provider can cater for a proportion of extended lifetimes. An individual does not have this luxury.

TJH

TUK020
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Re: Retirement Investing board question

#425131

Postby TUK020 » July 6th, 2021, 7:43 am

Gilgongo wrote:So if I may summarise the disucussion as I underand it so far:

1. Most people seem to agree that those wishing to discuss decumulation issues are not as well served as those who are interested in accumulation.

2. Decumulation stategies and issues are sufficiently different to those of accumulation before retirement to have a dedicated place in which to discuss them.

3. Because accumulation in retirement is also something that happens (be it either as part of re-balancing or incporporating new income etc.) that has to be taken into consideration too. So it's not just decumulation that's the issue.

4. Since Pension Freedoms legislation in 2014, and the passing of FS pensions and annuities, decumulation is likely to become more relevant to more people over time.

I think the main proposal so far is to split out the "FIRE" topic of "Retirement Investing (inc FIRE)" into a separate board and have rename the current retirement board to be spcifically about both accumulation and decumulation in retirement.

This would leave other boards for investing youths to address pre-retirement accumulation topics of various flavours (FIRE, HYP, passive, technical, other...).

G


"Retirement Investing - Harvesting Income"?

Gilgongo
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Re: Retirement Investing board question

#425139

Postby Gilgongo » July 6th, 2021, 8:23 am

tjh290633 wrote:As I see it, the proposal would be to have two boards, Investing prior to retirement and Investing when retired.


Well, it would be two "boards" in effect, but in practice it would be one board for people who have built their retirement investments and are now retired and wish to discuss the issues relating that situation. And all the other boards that already exist for amassing the aforesaid assets (whether for retirement or not). So I might choose a HYP strategy for my retirement accumulation and so frequent that board until I hit the retirement button, while you might choose a different method and read the mechanical, property, trading, passive, etc. boards until you do the same flip.

I agree that "decululation" is perhaps a bit of a bad word for it. "Post-Retirement Income"?

Itsallaguess
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Re: Retirement Investing board question

#425142

Postby Itsallaguess » July 6th, 2021, 8:33 am

TUK020 wrote:
"Retirement Investing - Harvesting Income"?


Retirement Investing - Constructive Harvesting?

C could perhaps be Capital, Creative, etc..

Cheers,

Itsallaguess

vrdiver
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Re: Retirement Investing board question

#425144

Postby vrdiver » July 6th, 2021, 8:42 am

Itsallaguess wrote:
Retirement Investing - Constructive Harvesting?

Or alternatively, Planed Outgoings On Retirement?

Depending on how things have worked out during the accumulation phase ...

VRD

csearle
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Re: Retirement Investing board question

#425145

Postby csearle » July 6th, 2021, 8:46 am

How about two boards (the first formed from the existing one)?

Investing for Retirement
Post Retirement Investing

Chris

Itsallaguess
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Re: Retirement Investing board question

#425146

Postby Itsallaguess » July 6th, 2021, 8:47 am

vrdiver wrote:
Itsallaguess wrote:
Retirement Investing - Constructive Harvesting?


Or alternatively, Planed Outgoings On Retirement?

Depending on how things have worked out during the accumulation phase ...


Outgoing Harvesting - Creating Retirement Asset Pools...

Cheers,

Itsallaguess

csearle
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Re: Retirement Investing board question

#425192

Postby csearle » July 6th, 2021, 11:22 am

Itsallaguess wrote:...
Tell me, are you a serious investor? ;) C.


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