Gareth Shears

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Gareth Shears Award Winning Chartered Financial Planner - teaching you the money skills the shools never did

24/10/2026

Do you want to find out if you could retire at 60 with £500k invested?

Comment YOUTUBE to watch the full version and find out

Disclaimer *this post is for financial education, not financial advice. Past performance is not a guide to future performance. Investments can go up and down in value. Leaving your cash in the bank and not making returns above inflation is also a risk. Before making any financial decision I recommend seeking financial advice

20/10/2026

Most people assume their investments grow steadily. But market returns aren't constant. The order of good and bad years drastically impacts your savings. Sequence risk is real, and averages hide the danger. See how real history and robust back-testing reveal the true outcome.

19/10/2026

Your retirement plan only succeeded in 16% of historical scenarios. This means 84% of the time, cutbacks were necessary. Spending is more critical than investment returns for long-term plans.

18/10/2026

Retiring at 57 with £800,000 sounds like a dream. But how much can you actually spend monthly? We looked at a couple with this sum wanting £4,500/month. Historical data shows they'd likely need to cut back.

17/10/2026

Retiring at 57 with £4,500 a month seemed like a dream, but it only had a 16% success rate. The plan failed in 84% of scenarios, leaving them to cut back drastically. But could changing spending habits save the day? Adjusting the withdrawal strategy significantly improved the odds.

How is it almost the weekend! I swear I was having a Sunday dinner yesterday! My parents always said when I was a kid li...
15/10/2026

How is it almost the weekend! I swear I was having a Sunday dinner yesterday!

My parents always said when I was a kid life fly’s by when you are older! They were soooo right

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5 Neptune Court
Cardiff
CF245PJ

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+447974407480

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