Our regular round-up of the latest insights on investment distribution

The debate around how to generate sustainable retirement income has continued to rage this week. Pre-pension freedoms, this problem hardly existed: the requirement of a base level of guaranteed income before accessing flexible drawdown effectively excluded all but...

For all but the wealthiest, generating enough income to meet wants and needs in retirement, is not straightforward. For advisers, building reliable strategies to provide that whole of life income is a major challenge. ONS data shows a rapid shift in the coming...

I started a pension transfer at lunchtime last Wednesday. It took me a total of seven minutes to log into AJ Bell Youinvest and ask (all online) to transfer an Aviva workplace pension into my SIPP. I had an immediate email confirming my request; Aviva had closed my...

Clients typically have the highest amount of assets and the greatest complexity in managing them at retirement. This presents opportunities for advisers. Furthermore, most advised clients are over 55, and a third are already in decumulation. Decumulation is a...

Decumulation was the subject of lively debate at our adviser dinner round table last week, when advisers from different parts of UK (and with different points of view) came together to discuss this tricky subject. The diversity of retired clients’ circumstances...