{"id":9485,"date":"2020-06-30T11:54:01","date_gmt":"2020-06-30T02:24:01","guid":{"rendered":"https:\/\/jigsawprivatew.wpengine.com\/?p=9485"},"modified":"2021-08-12T16:02:11","modified_gmt":"2021-08-12T06:32:11","slug":"adelaide-financial-planning-retirement-planning-the-uncomfortable-truth-about-your-biases-which-will-haunt-you-in-retirement","status":"publish","type":"post","link":"https:\/\/jigsawprivatewealth.com.au\/adelaide-financial-planning-retirement-planning-the-uncomfortable-truth-about-your-biases-which-will-haunt-you-in-retirement\/","title":{"rendered":"The uncomfortable truth about your biases which will haunt you in retirement!"},"content":{"rendered":"

Are you uncertain about your retirement plans?<\/p>\n

Like most, COVID-19 has infected many retirement plans. No matter the amount of money you have, it’s affected, everyone.<\/p>\n

Whether it be the way you invest. The timing of your retirement. Or a complete rethink about the retirement you had planned. Even the assumptions you based your plan on.<\/p>\n

Recent events have changed retirement planning forever. If you haven’t reviewed your retirement plans in light of this, then you’d better. The last thing you want is living out your retirement years in regret. Regret you didn’t plan well enough.<\/p>\n

Your mind plays tricks!<\/h2>\n

As human’s, we all have biases. These biases influence the decisions we make. From the way you invest, the strategies you put in place to the views you have about the world.<\/p>\n

While we appreciate our minds love to play tricks on us. And, we know it’s near impossible to shed our bias. They can be tamed.<\/p>\n

When planning and making decisions about your retirement. It’s important to be aware of these biases and learn to conquer and overcome them.<\/p>\n

What is cognitive bias?<\/h2>\n

Well all exhibit a preference for certain things, sometimes oblivious to it. Where we prefer one thing over the other.<\/p>\n

It’s a systematic error in thinking. It shows up when people are processing and interpreting information around them. It affects the decisions and judgements that they make.<\/p>\n

One of the biggest obstacles people face heading towards retirement is cognitive bias. When making critical decisions about your retirement. It’s important to aware of these errors in your thinking.<\/p>\n

7 biases to conquer in your retirement plan!<\/h2>\n

 <\/p>\n

???? Confirmation bias<\/strong><\/h3>\n

A dangerous bias that shows up far too often. Where you look for information to support your thinking.<\/p>\n

Think negative thoughts about investment markets. You’ll search for information that supports and validates your views. Call it a mental shortcut to answer and support your current thinking.<\/p>\n

Example:<\/strong>
\nWith surging investment markets, the mind plays games with you. Not wanting to lose money. You look for information supporting a possible market correction. You’re drawn to information about a correction to support your thinking.<\/p>\n

???? Loss aversion<\/h3>\n

A tendency for people to avoid losses rather than focus on trying to make profits. The pain you feel when you lose outweighs the excitement you feel when you gain.<\/p>\n

For many investor’s they’d rather not lose $5,000 than gain $5,000. Generally shows up in investors who have experienced bad losses in the past.<\/p>\n

Example:<\/strong>
\nFear sets in. Markets are high. With retirement approaching. You sell and lock in the value of your investment portfolio. Two years later, the market has not corrected. You’re now hundred’s of thousands of dollars worse off.<\/p>\n

????\u00a0Oversimplification tendency<\/h3>\n

You find simple answers for complex matters.<\/p>\n

Retirement planning is a complex problem. It takes lot of time and energy to work through complex solutions to complicated matters.<\/p>\n

While we love the simplicity of rules of thumb. You need to understand the complexity in your retirement plan.<\/p>\n

Example:<\/strong>
\nYou’ve got a $2.5m nest egg. You think it’s easy and not that complicated. After all, you only need to roll it to an income stream.<\/p>\n

Wrong. There are estate tax implications. How do you generate your income for retirement? What type of investment strategy fits with your retirement lifestyle and preferences? What super fund will meet your retirement needs? Are you an active or passive investor? Do you invest in direct shares, managed funds or pool your money with other investors? What assumptions are you using?<\/p>\n

You see, the minute you build your retirement plan. It’s wrong. You don’t know where it is wrong. It’s how you course-correct at those critical points. Which will determine whether your retirement is a success or a failure?<\/p>\n

????\u00a0Memory bias<\/h3>\n

Our minds, tend to rely on recent decisions to guide our plan. Your memory blurs you from understanding past lessons.<\/p>\n

Example:<\/strong>
\nWith investment markets roaring ahead. You get more confident. After all, it’s been going up for a long time. You take on more risk forgetting about the Global Financial Crisis in 2008.<\/p>\n

????\u00a0Recency bias<\/strong><\/h3>\n

Linked to memory bias. Ever thought why people buy high and sell low even they should know better.<\/p>\n

In good times we become more optimistic about life.<\/p>\n

Example:<\/strong>
\nInvestment markets are roaring ahead. Life couldn’t be better. FOFO (fear of missing out) kicks in. You buy high. Markets correct and you sell low. It’s the reason most self-directed investors rarely achieve market returns.<\/p>\n

????\u00a0Information bias<\/h3>\n

Our preference to seek out information even if it doesn’t help the action we are needing to take. Call it procrastinating to delay making a decision.<\/p>\n

Example:<\/strong>
\nCould be why you are reading this or on our list. You’ve sought out this information but it may not directly impact on the decision you are trying to make. Stop procrastinating and make a decision.<\/p>\n

????\u00a0Parkinson’s law of triviality<\/h3>\n

You direct your time towards trivial details. Rather than the important ones that make a difference.<\/p>\n

Example:<\/strong>
\nThis shows up when making investment decisions. An investor will focus on the shares they should hold (trivial). Rather than focus on the allocation of their assets (important). How returns are generated. Based on empirical evidence.<\/p>\n

What’s the cost of bias errors?<\/h2>\n

Significant according to research into the benefits of seeking professional advice.<\/p>\n

It’s a whole area of study called “Behavioural Finance<\/strong>“.<\/p>\n

After 20 years of advising clients, these are by far the most important conversations we have. These are the ones that add more value than anything else. Protecting clients from their blind side.<\/p>\n

They tend to revolve around a history of bad experiences.\u00a0 Preferences for Australian shares.\u00a0 Fear about what investment markets will do.\u00a0 Cashing their chips in for fear of losing it all.<\/p>\n

Or procrastinating because they can’t make a decision.<\/p>\n

Either way, these biases can cost you thousands. If not hundreds of thousands of dollars over your lifetime. If you let them infect your decision making.<\/p>\n

That’s years of living expenses covered.\u00a0 Increased legacy for your kids.\u00a0 More holiday experiences.\u00a0 A more comfortable retirement.<\/p>\n

Research conducted by Vanguard Investments discusses the financial benefit of having an adviser by your side. Can add 1.5% to your return on a yearly basis by helping you manage your behaviour.\u00a0 If you have a nest of $2m, that’s $30,000 added to your return every year by making smart decisions.<\/p>\n

We wrote more about the value a great adviser can bring to your financial decision making here>><\/a><\/span><\/p>\n

If you are uncertain about your retirement plans. Or for that matter want to know if you are on track. It’s time to schedule a strategy call here<\/a>.<\/span><\/strong> Let’s discuss the financial guidance you need right now.\u00a0 The right conversations to set you on the right track.\u00a0 Not to just get you back on track but to stay on track.<\/p>\n

Schedule a strategy call here>><\/span><\/strong><\/a><\/p>\n

 <\/p>\n

Click here to book your complimentary “Safeguard Your Retirement Strategy Call”<\/a><\/strong><\/span> now.<\/h3>\n

 <\/p>\n

Here’s to living your best life!<\/p>\n

Glenn Doherty \u2013 CFP \u2013 Money Mentor | Retirement Specialist for High-Networth Couples and Individuals($500-$5m) | Founder of Jigsaw Private Wealth<\/span><\/p>\n

We conduct virtual client meetings!<\/span><\/strong><\/h4>\n","protected":false},"excerpt":{"rendered":"

Are you uncertain about your retirement plans? Like most, COVID-19 has infected many retirement plans. No matter the amount of money you have, it’s affected, everyone. Whether it be the way you invest. The timing of your retirement. Or a complete rethink about the retirement you had planned. Even the assumptions you based your plan…<\/p>\n","protected":false},"author":3,"featured_media":9497,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[32,34,227,33,36,40,41,31],"tags":[257,52,129,45,46,48,77],"yoast_head":"\nThe uncomfortable truth about your biases which will haunt you in retirement! - JIgsaw Private Wealth<\/title>\n<meta name=\"description\" content=\"Personal biases impact your financials more than most. 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