ODOpt Blog
Retirement planning, done honestly
Clear, evidence-based writing on UK retirement planning — Monte Carlo modelling, sequence of returns risk, safe withdrawal rates, and the assumptions most calculators get wrong.
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Retirement Planning
What Is Sequence of Returns Risk — and Why It Could Derail Your Retirement
You could do everything right — save diligently, invest sensibly, retire on schedule — and still run out of money. Sequence of returns risk is why. Here is what it is, how it works, and what you can do about it.
Retirement Planning
Why Your Retirement Calculator Is Probably Lying to You
Most UK retirement calculators project your future using a single assumed return rate. That assumption is dangerously wrong — and it hides the risk that actually derails retirement plans.