Retirement Planning Insights

Expert analysis on historical simulation, withdrawal strategies, and financial independence planning

The 3% Savings Rule for UK Investors: Historical Analysis

UK Retirement Bellavia Research

Does American advice work for UK savers? In this post I want to look at how the 3% saving strategy performs, historically, in the UK …

Dec 03, 2025 7 min

4% Rule UK: Why British Retirees Need a Different Strategy

UK Retirement Bellavia Research

Imagine it's January 1936 and you've just retired with £1,000,000, a fortune. Suppose you follow today's "sensible" advice: withdraw 4% annually from your balanced 60/40 …

Nov 22, 2025 8 min