Retirement income

Kerry Nelson: The advice implications of phased retirement

Not only could the lack of a set pattern for retirement help clients in important ways, writes Kerry Nelson, it is also...
Making it work: Getting the most out of pensions freedom

Average regular pension withdrawal rate jumps from 4.7% to 5.9% – FCA

The average annual pension withdrawal rate jumped more than one percentage point between 2016/17 and 2017/18, writes Tom Ellis.

Bernadette Lewis: Mental capacity and drawdown explained

Bernadette Lewis casts her technical eye over drawdown and mental capacity. Here, she outlines what could happen should clients suffer from conditions such as dementia in older age

Pension freedom withdrawals hit record £2.3bn in Q2

A record £2.3bn was withdrawn from pensions under Freedom and Choice in the second quarter of this year, reports James Phillips.

Adrian Boulding: Annuity/drawdown mix makes retirement gold blend

It's time for advisers to look more seriously at blending drawdown and annuity income as retirement needs change and income guarantee requirements compete with the desire for exposure to higher growth asset classes, writes Adrian Boulding

Jason Hollands: Is the ‘Golden Age’ of pension tax relief set to end?

There is no certainty what the autumn Budget might bring for pensions but, writes Jason Hollands, it would be naïve to think any changes will make them more attractive than they currently are for higher-rate taxpayers

Rob McMurrich: Are pension saving innovations really distractions?

Rob McMurrich looks at three eye-catching pension saving innovations and asks if these 'hares' are overtaking the 'tortoise' policy of auto-enrolment and more traditional products...

Adrian Boulding: A little (financial) knowledge is a dangerous thing

Is ever-increasing engagement with pension savings always the right thing? Here Adrian Boulding argues a little knowledge can be a dangerous thing for people not prepared to put the effort into getting to grips with their finances...

Andrew Pennie: Key retirement income research ‘ignores advice’

Andrew Pennie looks at the PLSA's recent retirement income research paper, Hitting the Target. He argues the research misses a golden opportunity to highlight the value of financial advice

Neil MacGillivray: Flat-rate tax relief raises its head once more

With rumours of flat-rate tax relief circulating once again, Neil MacGillivray suggests advisers might want to bring up the subject with clients who are in a position to make further contributions ahead of the Budget

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Aviva and Creative Pension Trust send off master trust applications

Aviva Master Trust and Creative Pension Trust (CPT) have sent off their master trust authorisation applications to The Pensions Regulator (TPR).