Market
conditions
We expect market conditions to look very different than they have over the past few decades.
INVESTING
FOR RETIREMENT
Through interviews, articles, infographics, and videos we explore what the changing retirement landscape could mean for your clients and how this could impact investing for retirement.
Overview
Retirement pillars
Resources
LIFE BEYOND WORK
Understanding retirement
Retirement should be a time of possibility, of new goals and desires. A time where we have the chance to do or be what we didn’t have time for before. But ensuring we can afford the retirement we want involves many complex choices and trade-offs.
The need for expert advice has never been greater, but the environment for delivering that advice has arguably never been tougher. Market conditions, economics and regulation are likely to drive significant change in the way financial advisers think about and deliver retirement advice.
Catalysts for change
We believe there are three key issues that will drive significant change in the way we think about retirement advice:
Regulation
changes
Consumer Duty is putting pressure on advisers to demonstrate their advice process is adding value.
Economic
environment
We expect inflation and interest rates will remain higher than they have been over the past fifteen years.
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RETIREMENT PILLARS
We have categorised our retirement approach into three distinct pillars:
PILLAR ONE: RETIREMENT INVESTMENT PRINCIPLES
Clients who are in retirement have very different characteristics from those accumulating wealth. By considering these differences we can arrive at a set of principles for how we think about investing for clients who are taking retirement income.
PILLAR TWO: RETIREMENT INVESTMENT THEMES
There are many approaches to investing for clients in retirement and no single approach is likely to be right all the time. Our investment themes have been developed to help guide those who are building retirement investment solutions.
PILLAR THREE: RETIREMENT INVESTMENT STORIES
The principles and themes provide a theoretical framework for retirement investing but how can these be applied in practice? Our retirement investment stories highlight investment strategies and techniques that are likely to be relevant for retirement investors.
PILLAR ONE:
RETIREMENT INVESTMENT PRINCIPLES
INFOGRAPHIC
The four pots of retirement
(End-Client ready)
‘How can I begin to plan my finances in retirement?’ is a common client query. We explore the four different savings pots clients may need when financially planning for their retirement.
UNDERSTANDING SEQUENCE OF RETURNS RISK
Pension freedom provided a boost for invested retirement solutions, such as flexible access drawdown. But with flexibility comes risk. What could this mean for retirement pots?
NEWS & INSIGHTS
Expert knowledge at your fingertips.
Want a quick overview of what’s happening in the investment world? Get the very latest thinking from our team of experts. Clear and concise, our insights are easy to download and share. So staying in the know, and being able to offer your clients the most up-to-date views, couldn’t be easier.
Limited resilience: the right risk for retirement
Nobody wants to see the value of their retirement savings fall, no matter where they are in their investment journey. What does limited resilience mean when it comes to retirement clients?
21 February 2024
ALL RETIREMENT INSIGHTS
Clear and concise, our insights are easy to download and share. So staying in the know, and being able to offer your clients the most up-to-date views, couldn’t be easier.
Client-ready support
A range of videos and materials designed specifically for you to share with your clients, covering general financial education as well as product resources.
RETIREMENT RESEARCH
The changing face of retirement
In this research report we consider how retirement is changing and what this means for the future of retirement advice.
The value of investments can fall. Investors may not get back the amount invested. Income from investments may vary and is not guaranteed.
DOC ID: 1843625 Expiry: 25th September 2024
