Retirement income

Justin Corliss: Making the case for partial DB transfers

A DB transfer is often an 'all or nothing' decision for clients, however, partial transfers could be a half-way house alternative. Justin Corliss explains the process.

Lisa Webster: Beware over-taxation when accessing a pot

As Covid-19 makes life harder for everyone some people may be looking to access their pension pot earlier than planned, writes Lisa Webster. However, without careful planning, a tax trauma could be on the way

Decumulation strategies ‘still in their infancy’

Decumulation investment strategies and products are still in their infancy and more innovation is needed to better serve clients, according to a panel of experts speaking at PA360 Digital.

Canada Life expands drawdown platform with 430 additional funds

Canada Life has added 430 funds to its Retirement Account drawdown platform, including a greater selection of ESG-focused options, bringing the total available to 1,550.

Lawrence Cook: Decumulation needs investment planning evolution

Lawrence Cook looks at the intricacies of decumulation planning, particularly sequencing risk which retirees, he says, want to avoid at all costs...

Ultra-low interest rates and QE ‘broke’ 4% drawdown rule – LCP

The 4% rule of thumb often used to define a sustainable approach for drawdown in retirement is no longer fit for purpose due to prevailing and sustained market conditions, according to Lane Clark & Peacock (LCP).

Stephen Lowe: What the Money and Pensions Service can learn from Jaws

Stephen Lowe shares his views on the Money & Pensions Service 'stronger nudge' research and urges all parties to think big when it comes to the take-up of retirement guidance.

Adrian Boulding: Managing decumulation journeys through Covid-19 market uncertainties

Adrian Boulding examines what’s happening in the world of investment advice at retirement and considers what the world might look like after the pandemic. Financial plans and strategies will need to be both recession-proof and tax-man proof, he writes

Sam Liddle: Shielding the pension pot in a ‘perfect storm’

Retirees should remind themselves of the goals of their pension pot – i.e. to provide a stable income throughout their twilight years – and ensure they are as protected as possible during these turbulent economic times, writes Sam Liddle

Jamie Smith: Advice essential for pandemic-panicked retirement savers

As we know, it is a dangerous game trying to time the markets but quality advice should mean clients' retirement goals are less likely to be disrupted due to coronavirus, writes Jamie Smith

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Pension contributions drop 11% as millions furloughed

Contributions to workplace defined contribution (DC) schemes dropped 11% during the first national lockdown last spring, official data reveals.