Industry news and views from Panacea and our partners.
Retirement_
Prudential: Retirement planning made easier
Discover how Pru's enhanced online capability, competitive pricing structure and access to their investment expertise could help your clients as they plan for their retirement.
Capability, low-cost and choice -retirement planning made easier
With enhanced online capability, a competitive pricing structure and access to the investment expertise of the M&G Treasury Investment Office (T&IO), its never been a better time to consider Retirement Account (RA) as part of your clients retirement portfolio.
LV= 6m people retire earlier than planned
Research from pensions and retirement specialist LV= highlights how millions of people say they have retired earlier than planned.
Wealth and Wellbeing Research Programme
The purpose of the LV= Wealth and Wellbeing Monitor is to provide you with a clear picture of peoples retirement plans as well as their financial and mental health.
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= Delivering flexibility, along with a secure income
This comparison table from LV= shows how their Fixed Term Annuities compares against a lifetime annuity and drawdown pension. This helps you compare the products that you can blend to offer the best solution for your client.
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 and cost effective way which aims to provide security and flexibility for your clients.
Fidelity Adviser Solutions: Identifying sustainable withdrawal rates
Identifying a sustainable withdrawal rate is crucial given the prospect of fund exhaustion has increased. Fidelity's Paul Richards and Paul Squirrell discuss important areas when considering retirement income.
New research on Managing Risks
The latest research report from M&G Wealth - available to both advisers and clients - is Retirement Revisited - What is the biggest risks facing Britons in retirement?
Fidelity Adviser Solutions: Challenges and strategies for income in retirement
The introduction of unfettered drawdown means planning an income in retirement is far from straightforward and identifying a sustainable withdrawal rate is crucial given the prospect of fund exhaustion has increased. Fidelity's Paul Richards and Paul Squirrell discuss important areas when considering retirement income.
Canada Life: Whats on your clients retirement bucket list?
Weve provided a range of tools below to help you help your clients realise their retirement dreams. Watch our latest CPD qualifying webinar, read useful case studies offering practical solutions for different client scenarios, and our Defaqto report on pension consolidation.
Canada Life: A flexible solution for a changing world
The Retirement Account can help prepare your clients for their whole retirement, whatever the future brings.
Canada Life: An increasing need for flexibility in retirement
Following the pandemic, Canada Life spoke to several advisers about the increased need for flexible retirement solutions for their clients. It became clear that the unprecedented experience of 2020 and 2021 had highlighted the importance of a flexible approach to retirement. Now as we progress into yet another uncertain year, we face a growing crisis around the rising cost of living, which throws up yet more concerns for those approaching or considering their retirement.
PruFund Planet - Fund spotlight (60 minutes)
In this session, we brought our PruFund Planet strategy to life by explaining how Planet invests, outlining the multi-asset building blocks.
The power of PruFund - Retirement income and drawdown (60 minutes)
In this session, we explored some of the key retirement income planning myths uncovering the key considerations when developing retirement income plans and how to ensure your clients have a plan that delivers the outcomes they are looking to achieve, in a way they understand.
Ninety One: Finding thirty years of adequate income for retirement
We believe today's environment favours decumulation strategies as part of a broader retirement solution
Ninety One: Volatility: the hidden alpha in retirement?
It is clear to us that portfolio volatility in an income-producing portfolio acts as a drain on portfolio performance. Conversely, lower volatility can generate greater returns in an income-producing portfolio because it helps the portfolio manage sequencing risk more effectively. Find out how to avoid a pension pot running dry.
Ninety One: How retirement can be enjoyed, not endured
Planning for retirement doesnt have to be stressful or confusing. In our view, there is a three-point checklist that an investor should consider in order to source a sustainable level of income that does not eat into the underlying pot of capital.
FundsNetwork: Behind the industry headlines with Fidelity FundsNetwork's Donald Manning
Join Donald Manning, Fidelity FundsNetworks Retirement & Savings Development Manager, every Thursday for our weekly breakfast briefings.
Canada Life: Retirement plans reveal gender divide
New research by Canada Life has uncovered a gender divide when it comes to retirement confidence. In a survey of UK adults who had received advice from a professional adviser, nearly two-thirds of men (64%) were confident they will retire at the age they plan, compared to one in two (53%) women.
Intergenerational planning
Around £327 billion of assets will be passed on to the next generation over the next 10 years according to Brooks Macdonald's research. FundsNetwork's Retirement & Savings Development Manager, Donald Manning, looks at the opportunities for advisers with their clients families to plan for their future and pass on wealth.
FundsNetwork: Global women & money study 2021
In their latest report Fidelity explore how women across the globe choose to manage their money and their attitudes towards investing. What are the long-term consequences this can have on their retirement outlook and how has the pandemic impacted them.
The Great Wealth Transfer: Advisers vs Aviva Investors (45 minutes)
Did you know that 1 in 5 people aged 65+ in the UK are millionaires? The baby boomer generation are the wealthiest generation in history and their transfer of wealth to the NextGen will need to be carefully managed by folks like you and us in financial services.
Canada Life: The Retirement Account
The Retirement Account is a pension and retirement solution designed specifically for its flexibility to adapt to a clients evolving needs, whatever stage of life theyre at.
Aegon: An update on the Standard Lifetime Allowance
The Standard Lifetime Allowance freeze presents a range of planning issues. Our analysis could help conversations with clients
Aegon: What we focus our minds on matters
While everyones idea of financial wellbeing is different, our insight-led approach highlights that its about more than just peoples financial position its also about their mindset and paying attention to the things that matter most to them
Aegon: Introduction to financial wellbeing podcast
Listen to our latest podcast where our Chief Distribution Officer, Ronnie Taylor, sits down with Chairman of the Initiative for Financial Wellbeing (IFW), Chris Budd to talk financial wellbeing and how you could think about incorporating a wellbeing discussion into your advice model.
Aviva: Smoothed solutions for an unpredictable world
The Journey or the Destination? - Helping your customers navigate through uncharted waters.
Curtis Banks: Have you met the Joneses?
Dont miss the chance to register for Curtis Bankss latest webinar on 29 October. Our fictional family helps demonstrate intergenerational planning issues through a series of CPD accredited case studies and webinars.
FundsNetwork: CII exams are fast approaching
Get exam ready with FundsNetworks bitesize eight-minute tutorials. Their video library of over five hours' worth of technical content can help you prepare.
FundsNetwork: Taking the CII pension exams this October or just need a refresher?
Our library of retirement technical videos can help you prepare for CII pension exams, including a video focusing on exam technique tips.
Prudential: Supporting your clients retirement journey
With the tax year end approaching, you want to be able to set up your clients payments in plenty of time, efficiently and have access to the tools that help you speed up the process. Our Retirement Account with improved online services, might just be the answer youre looking for.
Royal London: Retirement benefits in public service pension schemes
This new interactive policy paper looks at the wider rules of the Teachers and NHS pension schemes and how members can claim their benefits.
FundsNetwork: Taking CII exams next month?
With over five hours of content, broken down in snippets of eight-minute tutorials, FundsNetwork's library of retirement technical videos can help you prepare for CII pension exams. Their video focusing on exam technique tips is particularly popular at this time of year.
FundsNetwork: Retirement technical training
Studying for your CII pension exams (J05, R04, R08, AF3 and AF7)? Then, take a look at FundsNetwork's range of 47 videos.
FundsNework: Money purchase annual allowance (MPAA)
Watch this short FundsNetwork's retirement video explaining the intricacies of the MPAA. What happens when it is exceeded, what's the impact on the annual allowance, what events trigger it, and much more.
Aviva: When it comes to drawdown is your tech acting as friend or foe?
The lang cats research made it clear giving your clients what they want is paramount, but every client is different. Were offering flexible solutions on our platform to help fulfil all requirements and make life easier for you too.
Prudential Market Insights September 2019
Sahil Shaikh, Portfolio Manager and M&G Treasury & Investment Office, discusses the good news amongst the bad in a slowing global economy, whether he thinks the looming global recession will be different to last time & how much impact the US/China trade war is having on the market's volatility.
Prudential: Gifting? Theres no time like the present
Recent guidance from the Office of the Public Guardian (OPG) simply reaffirms the potential problem of leaving IHT planning to late in life.