Retirement strategies

Navigating the retirement maze

A quick overview of the reports available below, that investigate key retirement themes and challenges for financial planners and their clients:

1. How much does a comfortable retirement cost?
2. Countdown to retirement
3. The foundations of retirement planning – ten pitfalls to avoid
4. Investment risk and retirement
5. Sustainable withdrawal rates for drawdown clients
6. The impact of inflation on retirement planning
7. Reinventing retirement
8. Help your clients survive retirement
9. The path through retirement 

Countdown to retirement

This report considers the options available if a savings shortfall is identified some years out from retirement. The most common options are saving more or retiring later. In the case of the former, which products are the most effective? There are also other solutions available which can shore up retirement finances. As retirement approaches, advisers should take a holistic view of the client’s assets to create a comfortable retirement. 

Investment risk and retirement

The FCA has emphasised the need for robust measures of risk capacity and tolerance at retirement. This is particularly important given the popularity of drawdown. 

There’s also evidence that suggests aversion to risk increases at retirement. However, an overly conservative portfolio may not deliver the returns needed. Conversely, too great a reliance on high-risk assets can expose retirees to sequencing risk.

In this report, we seek to develop a deeper understanding of investment risk throughout retirement. We then evaluate how to manage risk during this period and explore the pros and cons of different solutions.

The impact of inflation on retirement planning

Inflation can have a profound impact on the finances of retirees and its influence is widespread. In this special report, we examine crucial issues such as:

• Is the inflation rate at the start of retirement potentially as damaging as sequencing risk?
• Should retirement income be fully protected throughout retirement?
• Given annuities are impacted by inflation, do increasing annuities offer value for money? 

Help your clients survive retirement

There are a number of ways advisers can help clients navigate the perils of retirement, however it’s clear that no one size fits all. In our insightful report Help your clients survive retirement, we review how the thinking around sustainable withdrawal rates has changed. 

Retirement income advice in a changing regulatory landscape

In this webinar, our panel of experts considers the FCA’s Thematic Review of the Retirement Income Advice Market and what the implications are for advice firms. They also discuss the income options on offer and whether new solutions should be considered.