Many Happy Returns PensionCraft

Designing a retirement portfolio is one of the thorniest problems in investing. The mix of assets you choose dramatically affects how much you can safely spend during retirement. Withdraw too much from your pot, and you risk running out of money.
We’re joined by the creator of Portfolio Charts to examine optimal asset allocation. Tyler has modelled retirement scenarios around the world, identifying portfolios that help you sleep well at night and make the most of your money.
Selected links
Global Withdrawal Rates – Portfolio Charts What Global Withdrawal Rates Teach Us About Ideal Retirement Portfolios
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Get in touch
📧 mhr@pensioncraft.com
🎧 many-happy-returns.captivate.fm
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Join PensionCraft
🌐 Become a member at pensioncraft.com
▶️ Subscribe on YouTube
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Disclaimer
This podcast is for informational and entertainment purposes and is not financial advice. We do not provide recommendations or endorse any decision to buy, sell or hold any security. We cannot be held responsible for any actions listeners may take and investors are encouraged to seek independent financial advice.
Copyright 2023 Many Happy Returns

With valuations stretched, American stocks need to deliver the goods this earnings season. Companies must grow their profits and defend their margins or risk the end of the S&P 500 bull market. And in today’s Dumb Question of the Week: What is a ‘blackout period’?
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Get a FREE share 🎁 worth between £10 and £100, exclusively for Many Happy Return's listeners. 
Ready to claim your FREE share? 
1️⃣ Open a Freetrade account via Freetrade.io/pensioncraft
2️⃣ Fund your account with at least £50 
3️⃣ Freetrade will drop the free share into your account within 7-10 days! 
Thanks to Freetrade for sponsoring this episode. 
Capital at risk. The probability is weighted, so more expensive shares will be rarer. T&Cs apply.
---
Get in touch
📧 mhr@pensioncraft.com
🎧 many-happy-returns.captivate.fm
---
Join PensionCraft
🌐 Become a member at pensioncraft.com
▶️ Subscribe on YouTube
---
Disclaimer
This podcast is for informational and entertainment purposes and is not financial advice. We do not provide recommendations or endorse any decision to buy, sell or hold any security. We cannot be held responsible for any actions listeners may take and investors are encouraged to seek independent financial advice.
Copyright 2023 Many Happy Returns

Many investors favour stocks that pay a high dividend, opting to live off the cash they generate. Even stingy US tech companies have started to pay dividends. But does a strategy focussed on income make sense? And in today’s Dumb Question of the Week: What is ‘Shareholder Yield’?
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Get a FREE share 🎁worth between £10 and £100, exclusively for Many Happy Return's listeners.
Ready to claim your FREE share?
1️⃣ Open a Freetrade account via Freetrade.io/pensioncraft
2️⃣ Fund your account with at least £50
3️⃣ Freetrade will drop the free share into your account within 7-10 days!
Thanks to Freetrade for sponsoring this episode.
Capital at risk. The probability is weighted, so more expensive shares will be rarer. T&Cs apply.
---
Get in touch
📧 mhr@pensioncraft.com
🎧 many-happy-returns.captivate.fm
---
Join PensionCraft
🌐 Become a member at pensioncraft.com
▶️ Subscribe on YouTube
---
Disclaimer
This podcast is for informational and entertainment purposes and is not financial advice. We do not provide recommendations or endorse any decision to buy, sell or hold any security. We cannot be held responsible for any actions listeners may take and investors are encouraged to seek independent financial advice.
Copyright 2023 Many Happy Returns

A stock market crash early in retirement can leave you struggling to live off your investments. We discuss de-risking our portfolios and how to manage ‘sequence of returns’ risk. And in today’s Dumb Question of the Week: Is a stock market crash good for long-term returns?
Thanks to Freetrade for sponsoring this episode.
Sign up at Freetrade.io/pensioncraft to get a free share worth between £10 and £100.
When you invest, your capital is at risk. The probability is weighted, so more expensive shares will be rarer. T&Cs apply.
---
Get in touch
📧 mhr@pensioncraft.com
🎧 many-happy-returns.captivate.fm
---
Join PensionCraft
🌐 Become a member at pensioncraft.com
▶️ Subscribe on YouTube
---
Disclaimer
This podcast is for informational and entertainment purposes and is not financial advice. We do not provide recommendations or endorse any decision to buy, sell or hold any security. We cannot be held responsible for any actions listeners may take and investors are encouraged to seek independent financial advice.
Copyright 2023 Many Happy Returns

The Bank of England has been criticised for its failure to foresee high inflation. A damning new report takes aim at the central bank’s forecasting process and urges a major overhaul. And in today’s Dumb Question of the Week: What is 'quantitative tightening'?
Thanks to Freetrade for sponsoring this episode.
Sign up at Freetrade.io/pensioncraft to get a free share worth between £10 and £100.
When you invest, your capital is at risk. The probability is weighted, so more expensive shares will be rarer. T&Cs apply.
---
Get in touch
📧 mhr@pensioncraft.com
🎧 many-happy-returns.captivate.fm
---
Join PensionCraft
🌐 Become a member at pensioncraft.com
▶️ Subscribe on YouTube
---
Disclaimer
This podcast is for informational and entertainment purposes and is not financial advice. We do not provide recommendations or endorse any decision to buy, sell or hold any security. We cannot be held responsible for any actions listeners may take and investors are encouraged to seek independent financial advice.
Copyright 2023 Many Happy Returns

Investing a lump sum is a big decision that comes with great responsibility. Should you be conservative with your newfound wealth? Should you pile into markets straight away or drip feed slowly over time? And in today’s Dumb Question of the Week: What does FSCS protection cover?
Thanks to Freetrade for sponsoring this episode.
Sign up at Freetrade.io/pensioncraft to get a free share worth between £10 and £100.
When you invest, your capital is at risk. The probability is weighted, so more expensive shares will be rarer. T&Cs apply.
---
Get in touch
📧 mhr@pensioncraft.com
🎧 many-happy-returns.captivate.fm
---
Join PensionCraft
🌐 Become a member at pensioncraft.com
▶️ Subscribe on YouTube
---
Disclaimer
This podcast is for informational and entertainment purposes and is not financial advice. We do not provide recommendations or endorse any decision to buy, sell or hold any security. We cannot be held responsible for any actions listeners may take and investors are encouraged to seek independent financial advice.
Copyright 2023 Many Happy Returns