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Talking Points

DEFINED BENEFIT TO DEFINED CONTRIBUTION – WHY NOT?

Final Salary pensions schemes, also known as Defined Benefit (DB) schemes, have long been held out as the gold standard of retirement provision. It’s true that, if the pensioner lives a long time, they will provide a high total return. If, however, the pensioner lives a short time then only a small part of the [...]

By | November 28th, 2016|Talking Points|0 Comments

BUDGETING FOR RETIREMENT – WHOSE JOB IS IT?

According to recent findings from research provider Platforum, advisers are not using long-term cashflow planning with enough of their clients, both ‘at retirement’ and ‘on a regular basis’ once clients have retired. Long-term cashflow planning should be at the heart of retirement and in-retirement advice. It also makes a lot of sense in the accumulation [...]

By | November 13th, 2016|Talking Points|0 Comments