Brexit-glass half full or half empty

It is important to ask ourselves, and our clients, if we think the Brexit glass is half full or half empty because this will influence our approach to retirement advice…

Drawdown – don’t be behind-the-curve

In the immediate aftermath of pension freedoms the focus was understandably on the shift away from the straight jacket of annuities to the flexibility of taking cash lump sums or investing in drawdown. This has happened at such a speed that many advisers and their clients may now behind the curve when it comes to getting the best drawdown solution…

Annuities are stuck in the doldrums.

If you want to monitor the trend for annuities just look at the yield gilts. It is simple, if yields rise so do annuities and vice versa.…

Planning ahead for retirement

In the past, it was probably only those specialising in retirement income planning who needed to lift the bonnet and look inside at the mechanics of drawdown and understand how all the moving parts fitted together. Today, all advisers need to become drawdown mechanics…

Five funds that will pay your pension - Telegraph

Annuity rates are rising - which is good news for retirees who are prepared to swap a lump sum for an income paid for life.But the rates are still poor in comparison to other returns.…

Spring budget 2017 and annuity trends

It was three years ago, in the March 2014 budget speech that George Osborne's declared "no one will have to buy an annuity”. Since then annuities have become more unpopular and sales have fallen significantly…

Rules or discretion?

In such an uncertain world, working out how best to convert a pension pot into income is one of the most complex areas of financial planning. It is made even more complicated thanks to the many behavioural and technical issues to consider. So how do advisers work out the advice they give to clients?…