Overview
Technical resources
Solving the retirement income conundrum events Tax planning opportunities for 2025/26 Replacement of the lifetime allowance Retirement Income Pension Forum The Platform Clinic Pension, retirement and tax planning Pensions tax relief and annual allowances The beneficiaries flexi-access drawdown conundrum Retirement and pensions training Personal tax and trust planning training
Technical hub Retirement income Regulation, due diligence and compliance Training support
Technical matters
Technical matters
Solving the retirement income conundrum events Tax planning opportunities for 2025/26 Replacement of the lifetime allowance Retirement Income Pension Forum The Platform Clinic Pension, retirement and tax planning Pensions tax relief and annual allowances The beneficiaries flexi-access drawdown conundrum Retirement and pensions training Personal tax and trust planning training
More support
Paraplanner technical hub
Paraplanner technical hub
Technical hub Retirement income Regulation, due diligence and compliance Training support
Navigating income in decumulation
In today's unpredictable financial landscape, ensuring a reliable income stream during decumulation requires strategic planning and informed decision-making.
To help support your client conversations, we have gathered insights from several of our fund partners, to explore effective approaches to maintain stability and secure your clients’ financial futures, even during market fluctuations.
Quick reads
Transforming retirement: Bridging the advice gap for decumulation
Invesco explores UK retirement planning, tackling advice gaps and poor habits. Discover insights from their UK Retirement Study and industry strategies to address these challenges.
Pounds in pockets: Why natural income matters in retirement income planning
BNY Investments explore how natural income can help support your clients’ retirement plans, helping to keep more pounds in their pocket with ease.
The UK’s savings opportunity
UK households are saving more but not investing effectively, impacting retirement and the economy. J.P. Morgan explores how guiding consumers from saving to investing could create positive change.
Dividends – a sound basis for a solid retirement
David Jane of Premier Miton argues that dividends provide a stable basis for long-term wealth, asserting that income generation holds true value over chasing market momentum for capital gains.
Short-dated credit: Seeking a resilient income in a turbulent world
Aberdeen explores how investment-grade short-dated bonds have historically offered lower volatility and higher yields than cash. A smart move in uncertain times.
An income-generating approach in decumulation
Carl Stick of Rathbones explains how dividend-paying equities can play a key role in supporting retirement income.
Useful resources and insights
The 4-Life framework: Building blocks for creating a personalised retirement plan
Download your copy of Invesco’s guide to building a robust retirement plan and summarising the key considerations within a simple framework.
Putting the pieces together: Using natural income for retirement
BNY Mellon on why they believe using an approach they call Managed Income can help clients meet their need for stable and growing income while simplifying planning and administration for advisers.
Unlocking potential in 2025
Generating robust income through short-duration corporate bonds is attractive throughout the economic cycle. Why do Aberdeen Investments think there’s a particularly strong investment case right now?
Managing investment risks in retirement
Royal London’s Trevor Greetham analyses the importance of managing downside risk over the recessions and bear markets the average person is likely to encounter in retirement.
The thing to fear is fear itself
J.P. Morgan examines how US policy uncertainty may lead firms and households to postpone spending, reminiscent of Roosevelt's "fear itself" caution from the Great Depression.
The high yield opportunity
With the global high yield market having a yield of close to 7%, Liontrust’s Donald Phillips discusses where to find the current opportunities and the potential risks for investors.
Supporting your client conversations
Guides to support your client conversations on pensions and retirement income planning
Retirement income solutions: A guide to natural income
Premier Miton outlines unit encashment and natural income for long-term income and detail why they advocate natural income as a viable option for retirees seeking steady, enduring income.
A flexible retirement income for whatever the future holds
A detailed look at drawdown from how it works to the advantages and drawbacks. We also compare it to other income options.
Making a withdrawal from your pension
All your clients need to know about making withdrawals from their pension, including all the income options open to them.
Explaining how pension withdrawals are taxed
A guide for clients who are thinking about accessing their pension pots and are wondering how tax could affect their payments.