Life was a degree more simple before “pension freedoms”, if clients had modest pension pots they were generally offered a lifetime annuity. This provided a guaranteed income for life. From an advisory position knowing from outset how long the process will take and charging a fee that was in line with client expectations was straightforward.
Assess the advantages and disadvantages of using smoothed investment solutions, in addition to busting some of the myths surrounding them.
Proposals to change the way auto enrolment works have been published by the Department for Work and Pensions.
The state pension system in the UK has undergone a series of changes since it was introduced in its modern form after the Second World War. Some of the biggest changes have been around the addition of earnings-related elements on top of the basic pension.
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