Retirement income

Annuities the ‘missing asset class’ for sustainable retirement income

Retirees could benefit from more sustainable income and higher death benefits by including guaranteed income in the asset mix of their portfolios at retirement,...

‘We’re all guilty of pushing the same strategies to advisers’ – Henry Cobbe

DFMs and asset managers are all guilty of pushing the same investment strategies to advisers when more nuanced solutions could...

Bob Champion: Why later life lending is set to grow

The Financial Conduct Authority’s (FCA) latest data bulletin looks at analysis on how people are using their pension pots following the pension freedom reforms....

Jeff Steedman: Pensions & retaining the company premises – it’s all about the tax

Directors selling a company may not realise they need both financial advice and legal advice if they want to keep the commercial premises and...

HMRC ‘looking at opportunities’ to address net-pay tax anomaly

The government is set to review an anomaly which sees lower-paid workers in the majority of master trusts lose out on tax...

Adrian Boulding: How realistic is asset manager charges transparency?

On 5 September the Work & Pensions Committee (WPC) held a highly-focused debate on the challenges of extracting increased charges transparency from asset management...

RP case studies: Using SIPP consolidation to bring pension freedom

People take out SIPPs for a variety of reasons, writes Elaine Turtle. Here she shares a case study which shows how the product's versatility can help clients access funds to help facilitate their chosen lifestyle 

Novia updates TVAS tool in line with new pension transfer rules

Novia Financial has updated its transfer value analysis (TVAS) report tool in order to be fully compliant with the latest...

Fiona Tait: Pensions and the ‘quickie’ divorce

Fiona Tait looks at the government's plan to introduce 'no fault' divorces and says while the option will making splitting up easier for some, dividing pension assets should not be rushed

George Houston: That’s just too good to be true, surely?

George Houston believes, as an industry, we are making progress on scam prevention and protection. Here he outlines why clients themselves need more help in spotting the offers that are 'too good to be true'
 

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