ARTICLE · 04 NOVEMBER 2026

Your Retirement Journey Shouldn’t Be A Bumpy Ride

Spectrum IFA Group

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For retirees living abroad who depend on investment income, a disciplined fund manager with a repeatable process can make the difference between financial stability and constant worry. This analysis examines why consistency in returns matters more than spectacular gains when you're taking regular withdrawals, and how sequence-of-returns risk can significantly impact your retirement capital.

SpainWealth Management

Tom Worthington

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Why consistency matters when your investments pay the bills

If you are approaching retirement, or already using your investments to top up your retirement income, the returns you receive serve a critically important purpose – helping to provide financial security for the rest of your life.

That might mean the weekly shop, flights to see family or the freedom to say yes to a holiday without worrying about what it does to next year’s income. This is the reader I have in mind: someone who has worked hard to build savings and now wants to understand how to make them last.

My career has taken me from advising expatriates to working in investment management, and back to personal advice here in Mallorca. Those roles look at the same money from different angles. A manager considers how a portfolio is invested; an adviser also has to consider what happens when its owner needs to spend it.

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The content of this article is intended to provide a general guide to the subject matter. Specialist advice should be sought about your specific circumstances.

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