Divorcing traditional cashflow wisdom from reality

Fri 15 Mar 2013

Imagine you're advising a client who's going through a divorce but you have a feeling that the tried-and-trusted method of calculating maintenance payments over time isn't quite up to the task. What do you do?

Well, in the case of Adam Carolan, you turn to Moneyscope.

Adam is a Chartered Financial Planner at Cheshire-based Xentum and, among its clients, are people who are navigating divorce. As Adam explains in his blog post at the financial planning consultancy's site - 'I'm afraid you're running out of money, Mrs Duxbury' - it's been custom and practice to use a formula, devised in the 1992 legal case of Duxbury v Duxbury, to calculate a lump-sum financial settlement capable of delivering a lifetime's income.

But it occurred to the team at Xentum that, since 1992, life expectancy has increased and, given the experience of the past 5+ years, the anticipated performance of investments then may well be too optimistic today. Both factors would surely have an effect on the kind of lump sum settlement that would be required today?

So Xentum turned to Moneyscope to test their theory and - in a really interesting post - they have published what they discovered here. (Clue: Xentum were right.)

March 2013
Posted in Financial Planning (26)


  1. Good post!......Gravatar of Phillip RidgwayPhillip RidgwayWed 29 Jan 2014
  2. I was intrigued by this article and as a result got hold of the latest set of Duxbury tables along with the notes that accompany them. It would appear as if the assumed investment returns and rates of inflation were last adjusted in 2003 and are deemed to be the same irrespective of the amounts of money involved or the timescales. The tables, by the way, are now only a 'yardstick' and there are a number of other assumptions around tax bands/allowances, using CGT etc.

    However, for those interested in running the figures for themselves, they are as follows:
    Average income Yield: 3%, Capital Growth 3.75%, Inflation 3%.

    I'm off to play with these using data from a client who had a clean break settlement agreed last year.
    Gravatar of Chris BearfootChris BearfootFri 7 Feb 2014
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