Industry news and views from Panacea and our partners.
Retirement_
M&G: Lighthouse Edition 2
Lighthouse Edition 2 is now available. Explore the latest market insights to support informed client conversations and portfolio decisions.
The Prudential Guaranteed Income Plan
With gilt yields at their highest levels since 2008, now could be the time to lock in attractive, guaranteed returns for your clients.
Baillie Gifford: Inflation risk: the quiet test of retirement income
Protecting spending power is a key challenge for long-term investors. Steven Hay explores how the Baillie Gifford Monthly Income Fund seeks to provide monthly income while preserving long-term value. Capital at risk and income not guaranteed.
BNY: Expectation: the retirement spending conundrum
Clients spending plans are a pivotal input to retirement planning, but rarely clear. We explore why estimates miss the mark and how advisers turn uncertainty into workable strategies.
Fidelity Adviser Solutions: The simple 4-step guide to securing lifetime income
If youre looking to understand how a guaranteed income solution works on Fidelity Adviser Solutions platform, this short video is a great place to start. It walks you through the essentials in four easy-to-follow sections: what guaranteed lifetime income is, the quote process, income options and blending solutions. 12-minute watch
M&G: Enhanced flexibility for the Prudential Guaranteed Income Plan
The Prudential Guaranteed Income Plan now offers greater flexibility, with term options extended from 5 - 15 years to 3 - 30 years.
Fidelity Adviser Solutions: Pension changes for 2026/27 and beyond
This brief overview from Fidelity Adviser Solutions outlines the key developments you need to be aware of including updates to inheritance tax treatment, the rising Normal Minimum Pension Age, potential shifts in State Pension Age, and evolving salary sacrifice rules. It also highlights wider policy areas under review to help you stay informed and prepared for longterm planning discussions. 3minute read
M&G: Accessing the Prudential Guaranteed Income Plan
The Prudential Guaranteed Income Plan provides clients with a secure, guaranteed income stream, lump sum or both - helping managed longevity risk and offer peace of mind, even in uncertain markets.
M&G: Interactive Blending Case Study
This case study shows how advisers can use the Prudential Retirement Account, PruFund, and Prudential Guaranteed Income Plan to help clients plan and manage their retirement income. It highlights practical strategies for each stage of retirement. Download and save a copy to get the full experience, including the voiceover. Download case study >
M&G: Blending Drawdown and Annuities: A Modern Approach to Retirement Planning
In todays evolving retirement landscape, the binary choice between income drawdown and annuities is increasingly outdated. For professional financial advisers, the opportunity lies not in choosing one over the other, but in strategically combining both within a single pension wrapper to deliver a more resilient, flexible, and client-centric retirement income strategy.
M&G: Our new interactive blending case study
This case study shows how advisers can use the Prudential Retirement Account, PruFund, and Prudential Guaranteed Income Plan to help clients plan and manage their retirement income. It highlights practical strategies for each stage of retirement.
M&G Wealth: Blending Retirement Solutions guide
The guide explores how combining the growth potential of PruFund with the certainty of the Prudential Guaranteed Income Plan can deliver both flexibility and security throughout retirement.
Fidelity Adviser Solutions: New: Flexible Investment and Retirement Solutions
Fidelity Adviser Solutions innovative service has been designed to provide you with the flexibility to support your Central Retirement Proposition.
Fidelity Adviser Solutions: adRetiring by instalments
The transition from work to retirement is not always clearly defined. It might involve gradually reducing working hours or shifting to a less demanding role. Regardless of the specific approach or motivation, what are the benefits of postponing full retirement? This shift creates new complexities for financial advisers, as retirement is no longer a straightforward, one-time event.
Fidelity Adviser Solutions: New retirement training video support
If you are studying for the CII exams or need a refresher, Fidelity Adviser Solutions have a series of new videos related to the three new allowances replacing the LTA, the transitional tax-free amount certificate and transitional protections - fixed, individual, primary and enhanced. They also have a new video giving an overview of death benefits.
M&G Wealth: Les Camerons Big Fat Quiz of the Year
12 Dec 2024. Every year, M&Gs Technical Team answer thousands of questions from advisers and paraplanners across the full financial planning spectrum.
Fidelity Adviser Solutions: Autumn Budget key takeaways for Financial Advisers
Ever since Labour returned to power in July, there has been endless speculation on the areas that may be in the Chancellors sights, which caused many individuals to consider pre-emptive action to avoid possible tax hikes.
LV= How to unlock a more human retirement advice proposition
As greater regulatory focus lands on tailoring advice to the needs and characteristics of the individual client, understanding behavioural finance can provide a roadmap for your conversations, and offer clients a more composed path towards their investment objectives.
Client retirement options explained (30 minutes)
The more efficiently you invest the less you need to save - but what do we mean by efficiency?
Tax-efficient investment planning (30 minutes)
A summary of the order of taxation on earnings, and its implications for savings in the pre- and post-retirement.
Fidelity Adviser Solutions: Webinar: Retirement income advice in a changing regulatory landscape
The FCA recognises advisers have a key role to play in helping clients make decisions for the decumulation phase of their lives. However, a recent review highlighted some concerns it found that not all firms have evolved their approaches. Fidelity Adviser Solutions hope you can Join them on Thursday 6 June at 11.00am their panel of experts will consider the FCAs review of the retirement income advice market and what the implications are for advice firms.
You Gov: One in five young British adults expect to retire before 60
A new YouGov survey asked two age groups, those aged 18-24 and 25-34, about when they expect to retire and how much money they think they need for a comfortable life afterward. Here's what they said.
How to build decumulation strategies around your clients
In this webinar LV= explore why we've seen a resurgence in annuities, what clients are now looking for in retirement, delve into the behavioural science behind investing, and bring to life their blended solution (which combines a fixed term annuity with smoothed investment) through client case studies.
Guide to LV's Blended Solution
This Blended Solution could be the perfect way to offer a combination of a guaranteed retirement income and potential for investment growth to suit your clients' financial planning needs. With terms starting at just three years for our PRP it also offers flexibility for your clients as they near or enter retirement.
Handling the cost of living crisis in retirement
The grim reality of rising prices is prompting a reappraisal of retirement plans for many people. For advisers, it may also demand an alternative approach.
What can future generations expect from retirement?
The landscape of people's wealth is changing. Today's retirees still have generous pension provision, and plenty of accumulated housing wealth to fall back on. But for future generations, the outlook will be quite different.
We've had a few days to start to digest chancellor Jeremy Hunt's plans to consult, albeit with no timescale (especially with the next election on the not-so-far horizon) on what he calls his new pot for life pension model. A potential game changer however, for our partner audience and IFAs.
A pension pot for life, not just for...
We've had a few days to start to digest chancellor Jeremy Hunt's plans to consult, albeit with no timescale (especially with the next election on the not-so-far horizon) on what he calls his new pot for life pension model. A potential game changer however, for our partner audience and IFAs.
Watch: De-risking for retirement with LVs Smoothed Managed Funds
In this short film by LV= and the Pensions Management Institute, independent adviser Paul Burns joins LVs Colin Watt to make the compelling case for Smoothed Managed Funds as part of a clients decumulation journey.
New LV= wellness tracker finds more than 40% of UK adults are struggling financially
Twenty two million UK adults are financially struggling today, leaving the nations financial resilience at an even lower ebb than during the height of the Covid-19 pandemic, according to data from investment, protection and retirement specialist LV=.
Introducing the LV= Wellness Tracker
For the three-year anniversary of the Wealth and Wellbeing Research Programme, we have launched the LV= Wellness Tracker. A unique measure of the nation's financial resilience.
LV= Blended approach can ease pensioners drawdown and volatility fears
Research from investment, protection and retirement specialist LV= highlights how millions of people are worried about stock market volatility and running out of money in retirement.
LV= Wealth and Wellbeing Research Programme Edition 13
In this report LV= share the latest insights from their Wealth and Wellbeing Research Programme. Established in June 2020, this longitudinal study has tracked UK adults behaviours around their finances and wellbeing during a period of exceptional market turmoil and change.
LV= More of your clients could need long-term security
With the cost of living crisis and volatility of the current market, flexi-drawdown is less appealing than it once was. But what if you could do drawdown differently?
LV= De-risk your clients retirement journey
Research from LV= highlights how millions of people say they have retired earlier than planned. Advisers can help to smooth their clients retirement journey by giving them flexible investment options that are right for them.
LV= The need for guarantees
Uncertainty is a significant threat to retirement planning. It brings volatility which, in retirement, can significantly increase the chances of a client outliving their funds. LV= offer a bespoke blended solution which aims to provide security and flexibility for your clients.
Fidelity Adviser Solutions Webinar: Talking Points latest technical updates in one place
Retirement savings hierarchy including capital gains management
M&G Wealth: LTA Abolition PCLS Case Studies
The governments proposal to abolish the Lifetime Allowance has changed how pension commencement lump sums will be calculated from 6 April 2024.
Retirement savings hierarchy webinar
Recent tax changes mean there are important new considerations when thinking about the tax wrapper hierarchy for clients saving for their retirement. In this one-hour webinar, Paul Squirrell will run through how the changes affect the planning process while Jon Hale will demonstrate how to practically manage and facilitate any required actions on our platform.
YouGov: Phased retirement benefits and drawbacks according to retired British employees
According to recent survey findings, three out of five retired British employees believe that phased retirement has the potential to improve work-life balance (62%).