Guiide Bewertungen 824

The website gave quite a few options for customisation and allowed me to get a good idea of future funding. Lost one star for being just based on a single person with no options for a couple - I put the totals in so it was directionally correct but it didn't include both tax allowances.

Finally a really good pension and drawdown planner. Unlike many others, Guiide takes a holistic approach to all my finances including pensions, ISAs and other savings and then allows me to tweak numbers to mitigate various scenarios. I feel a level of confidence that I can finally project my numbers into a workable and meaningful plan. I particularly like that it creates a plan to help minimise the amount of tax I will pay during retirement.

In the long term I would like to see the ability to adjust some of the 'assumptions' e.g. inflation, tax free allowance etc. Also maybe a few UI tweaks e.g. when you want to change the numbers using 'set all' in your income plan, it would be good if it told you what the current numbers are.

Very informative and user friendly.

Useful free to use tool to give an overview of your financial position vs your goals

Fantastic tool for testing a number of scenarios. Very easy to use and interpret.

Really useful tool to help with retirement planning and understanding.

Easy to use and great planning tool, very useful and being able to change and test different scenarios is very informative.

This is a great free tool for retirement planning, simple to understand and gives a clearly laid out dashboard. I have seen features improve over the couple of years I have used it and am awaiting the couples features with great anticipation. My only slight gripe is the slightly clunky income wants section. Adding a feature to taper away income after 80 would be good and also a potential warning about the upcoming IHT issue for larger pots.

Finding this a really useful tool. It is a great support in providing baseline planning.

I now have a clear plan for how best to use savings and pension in my retirement years! Thank you!

A great tool with flexibility to make various assumptions giving details of what would work. Pretty straighforward to use. Would recommend to others

very useful online tool
well written instructions
free to use, save and download the plan

Early days yet but this seems to be an invaluable tool that has simplified my pension options.
To show me how much to draw out of my Pot to top up State Pension and roughly how much Tax i pay is great.
Great tool.Thanks.

Easy to use, looking forward to the couples section.

Easy to complete. Much more informative than general pension estimates and the adjustments for different scenarios are extremely useful. Reassuring or a reality check, either way it’s good to know where you stand.

simple to use and clear results

Great site would recommend to all who are thinking about retirement give it a try

Great tool as an MVP, just the type of thing I've been looking for to replace my less than simple spreadsheet :) Really feature rich and can't stop playing with this. shame this isn't open source as I'd want to contribute as a developer.

I have loads of ideas that would enhance the experience:

- Allowing you to add tags or names to the different elements e.g. defined benefit and personal pensions - so being able to say which pension is which will help with visual tracking.

- Clearer totals of current and projected pots at retirement age, in the Haves section and on the Dashboard.

- Show the annual retirement payment also in real terms across the tool not just in the wants section e.g along side the calculated values at the end and on the dashboard. This gives folks a realistic figure of what they will be able to afford at the time.

- Set multiple Pensions with individual growth rates, as one fund may have a different risk factor to another so the ability to vary this at a granular level --as an advanced option.

- Expand annuity granularity e.g. for health and postcode - advanced option

- Allow granularity on the projected pension contributions e.g.
percentage increase can be varied from the 2.5 percent. may want to contribute more than the base per year.

- More granular contributions in future years - fixed per month or year in each of the years leading up to the retirement date. Can be an advanced option

- One off pension contributions expected on a certain year before retirement e.g. windfalls, to be added to pensions (up to max limit by HMRC) or Savings - again as an advanced option

- More scenarios, though i can't think of any - perhaps more granular control of them (as an advanced option?) - though the ones mentioned are a great start!

All in all really good to see the graphs, the scenarios and actually work out what we can do to get to a target.

Great tool to help understand retirement income.
Will be even more useful when the version for couples is developed.

If I could change one thing it would be to be able to adjust inflation. 2.5% seems very optimistic appreciating it is the average advisors use. The lower your income the higher your level of inflation. I believe mine is more like 4.5% and it is unlikely to improve given food and utility prices.

Great tool if your situation is straightforward. But Guided Drawdown and Couples planning has been promised for over a year now. How about an update and honestly on where you are on this ( … I’m sure there are many complications trying to achieve this)? The blog pages seem to be getting a bit stale.
GREAT TOOL FOR CHECKING YOUR CURRENT FINANCIAL SITUATION.