top of page

Connect, Collaborate & Thrive: Uniting in Our Dynamic Online Community

Discover our vibrant online community within our website, where members can connect, exchange ideas, join discussions, and collaborate on projects. Immerse yourself in a dynamic environment that fosters community and engagement among our website visitors.

Key features include:

  1. Diverse groups: Join various groups tailored for distinct purposes, such as support, discussion, or collaboration on specific topics or projects.

  2. Share rich content: Post text, images, videos, and documents to spark conversations and share insights.

  3. Engage in meaningful discussions: Participate in threaded conversations, comment on shared content, and respond to fellow members' comments.

  4. Stay in the loop: Receive notifications about fresh content, comments, and other group-related activities to remain engaged and informed.

Dive into our interactive and captivating community, where you'll be encouraged to stay longer, revisit frequently, and ultimately forge lasting connections with our site's content and mission.


Public·26 Lamplighters

Town Hall yesterday ...

Gina Miller of The True and Fair Campaign said: “We’ve created the True and Fair Calculator to provide UK consumers with a free public information service giving details of the investment fees and costs they pay, so they can make better informed decisions prior to purchase.


Now since the "safe drawdown rate" on life savings is 4%.

Some of these guys take the whole safe drawdown rate - meaning they take all profit, leaving the investor with nothing!

The concept of the 4% safe withdrawal rate originates from the Trinity Study, an influential paper published in 1998 by three professors of finance at Trinity University. The study aimed to determine "safe withdrawal rates" from retirement portfolios containing a mix of stocks and bonds. The 4% rule refers to withdrawing 4% of the portfolio during the first year of retirement, with subsequent withdrawals adjusted for inflation.

Here's how it works:

  • In the first year of retirement, you withdraw 4% of your total portfolio.

  • In subsequent years, you adjust that amount based on the Consumer Price Index (CPI) to keep pace with inflation.

The study backtested various stock/bond mixes and withdrawal rates against market data from 1925 to 1995. The authors concluded that a 4% withdrawal rate is extremely unlikely to exhaust any portfolio of stocks and bonds over a 30-year period, assuming the portfolio is well-diversified.

However, it's important to note that the 4% rule is not a guarantee but rather a guideline. Market conditions can change, and mid-course corrections may be necessary.



Welcome to the Lamplighters group, a vibrant community dedic...
bottom of page