Personal pensions updates

We’re proud to sponsor this year’s Defaqto drawdown guide – ‘Using drawdown to provide a sustainable income’.

Seeing negative investment performance due to market volatility is naturally an uncomfortable situation for clients to be in when they’re relying on that investment to provide an income in retirement.

Our Senior Investment Development and Technical Manager, Ryan Medlock looks at the impact of the last 12 months on income sustainability and considers whether this has brought adviser processes around drawdown advice into sharper focus.

Whether you believe that this is just another marketing-infused acronym or the platform to provide robust retirement planning advice, there’s no denying that adviser usage of CRPs is now starting to surge.

In this final instalment, it’s time to turn the screw on the investment strategy used within your CRP because the Covid-19 pandemic has added an unexpected and challenging twist to the tale.

Our drawdown governance service has been designed to help you monitor the sustainability of your clients' income and see when things are heading off track.

We’re introducing new-aged based packs as a result of the FCA’s new rules on ‘wake-up packs’.

We're mailing trustees, employers and customers to tell them about changes to their pension plans to cater for the new pension flexibility.

The retirement freedoms introduced the concept of nominee and successor flexi-access drawdown.  We consider what they are, how they operate and their attraction.

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The Royal London Mutual Insurance Society Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The firm is on the Financial Services Register, registration number 117672. It provides life assurance and pensions. Registered in England and Wales number 99064. Registered office: 55 Gracechurch Street, London, EC3V 0RL.