James Johnsen: Speculate to decumulate – the dangers of pound cost ravaging
A decumulation portfolio must be able to deliver appropriately risk-adjusted returns through a variety of economic environments and so, argues James Johnsen, cannot be overexposed to a few key risks....
View ArticleTories confirm means-tested care policy and scrapping of triple lock
Prime Minister Theresa May has confirmed the Conservative party would introduce a means-tested care policy and replace the pensions ‘triple lock’ with a ‘double lock’ by 2020, should it get elected in...
View ArticleConservative Party manifesto: The pensions pledges in full
The Conservative Party has unveiled its manifesto for the General Election 2017. Here are the pension pledges in full … The Conservative Party has promised to expand The Pensions Regulator’s (TPR)...
View ArticleRevealed: The Retirement Planner Awards 2017 shortlists
Retirement Planner is proud to publish the shortlists for its 2017 Awards, the winners of which will be announced on Friday 16 June at a ceremony at the Jumeirah Carlton Tower, London SW1. This is also...
View ArticleBob Champion: Caring for ‘the average person’
The surprising snap general election may open up a number of debates around care funding, inheritance tax and pension tax relief, says Bob Champion, but funeral planning is unlikely to receive too many...
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The ‘WHAT’ of trusts – gift trusts
In the first of a new series that looks to take some of the mystery out of the world of trusts , Helen O’Hagan considers the ‘W-H-A-T’ of gift trusts. Sponsored content We are going to take you through...
View ArticlePaul Wilcox: No deliberate deprivation here …
Not only does the ‘gift and loan’ IHT strategy not use up any valuable allowances, explains Paul Wilcox, it is uncontroversial because it does not use any ‘clever’ footwork or legislative loopholes...
View ArticleAdvisers can no longer rely on ‘lifestyle’ approach to investment risk –...
The classic ‘lifestyle’ approach to investment risk, where bonds and equities are rebalanced in a fund as an investor gets older, can no longer be seen as the rule of thumb for advisers, according to...
View ArticleAdvisers fearful of retrospective DB legislation
The majority of advisers are concerned about the regulator implementing new defined benefit (DB) transfer legislation retrospectively and the impact this could have on their business, new research has...
View ArticleFiona Tait: Can consumers run their own drawdown plans?
The FCA Business Plan for 2017/18 is due to review non-advised drawdown sales as part of the Retirement Outcome Review, writes Fiona Tait, raising the question of whether people should be forced to...
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Tax hit: Counting the cost of pension freedom
Clients who took an uncrystallised funds pension lump sum payment could be owed thousands of pounds on overpaid tax, as Tom Selby explains. If your clients made a single ad-hoc withdrawal from their...
View ArticlePut ISAs on pensions dashboard, says Michael Johnson
A simplified ‘ISA warehouse’ should appear on the pensions dashboard for those considering the product as part of their retirement savings, Michael Johnson has said. Speaking at the AMPS Annual...
View ArticleHybrid capital: A win-win for long-term retirement planning
Peter Doherty explains why hybrid capital could be a better asset class option than equities or bonds. UK short-term interest rates have averaged about 1% above inflation over the past 100 years,...
View ArticleUK told to prepare for workforce of 80-year-olds
The UK should prepare for a workforce of 80-year-olds and impose faster pension age rises to avoid a quadrupling of the savings gap to £25tn, the World Economic Forum has said. The Geneva-based...
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Saving mentality: How can the pension industry encourage it?
In the second part of our roundtable discussion on key pension and retirement issues, RP asks a group of experts how the industry can improve the UK’s appetite for savings. Find Part 1 here Lawrence...
View ArticleAviva considers giving advice on DB transfers
Aviva is considering to start giving advice on defined benefit (DB) pension transfers in response to demand from clients. Aviva UK chief executive Andy Briggs told the Financial Times customers were...
View ArticleBritain decides: Is a new pension regime on the horizon?
With polling day just around the corner, Emily Perryman analyses how the triple lock, state pension age and pension tax relief could be affected. Britons are gearing up for another trip to the polls on...
View ArticleBilly Burrows: Avoid the mistakes of past pension regimes
Now we are into the third year of pension freedom, writes Billy Burrows, the time is right to revisit how we communicate the benefits and options of the not-so-new regime to ensure clients receive the...
View ArticleStandard Life partners with Sage to ‘simplify AE process’
Standard Life has partnered with software provider Sage to overhaul its automatic enrolment (AE) process, which it says will reduce the “administrative burden” on businesses. Employers who use Sage 50...
View ArticleSNP pledges to scrap LISA and keep triple lock
The Scottish National Party (SNP) has pledged to scrap the Lifetime ISA (LISA) and maintain the triple lock in its 2017 general election manifesto. The party described the LISA, which has only been...
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