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You searched for the term Retirement Outcomes Review Your search returned the following 40 results...
 
  • Retirement Outcomes Review phase 3 – a reminder of what’s coming up in February 2021 - Royal London for advisers

    Retirement Outcomes Review phase 3 - a reminder of what’s coming up in February 2021 25 November 2020 The FCA published policy statement PS19/21 in January 2019, setting out phase 3 of their plan to tackle some of the issues they’ve identified in the retirement market. Phase 3 of this Retirement...

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    News

    Blog

  • Why are drawdown transfers few and far between? - Royal London for advisers

    ...that the FCA hasn’t been particularly vocal since the beginning of pension freedoms about what “good looks like” in at retirement advice. Regulatory thinking  COBs give advisers the nuts and bolts of it, but perhaps we need to look a little wider, to the Retirement Outcomes Review and the PROD rules...

  • Watch our income drawdown CPD webinar - Royal London for advisers

    Income drawdown - the good, the bad and the ugly Hear from Craig Muir as he summarises the main concerns from the FCA in their Retirement Outcomes Review (ROR), the key changes impacting the advice process and upcoming changes.  Craig also investigates best practice in FAD file construction, what...

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    CPD

  • Benefit options - Royal London for advisers

    ...since pension freedoms began in 2015, including changes in withdrawal patterns and the consideration of changes in the demographics of UK society. Craig also talks about the retirement outcomes review (ROR), how this has changed at retirement advice and much more including best practice in FAD file...

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    Information and guidance

  • 190627-London - Royal London for advisers

    ...will really start to impact more clients this tax year as we have now passed the 3rd anniversary of its introduction.  Lastly we investigate the findings of the Retirement Outcome Review and consider what impact these findings could have on the advised market. Learning outcomes: Identify the key...

  • Pensions Roadshow - Royal London for advisers

    (TAA), which will really start to impact more clients this tax year as we have now passed the 3rd anniversary of its introduction.  Lastly we investigate the findings of the Retirement Outcome Review and consider what impact these findings could have on the advised market. Learning outcomes...

  • Transfers explained - Royal London for advisers

    ...of the legislative aspects advisers need to be aware of, the Retirement Outcomes Review and the PROD rules (in the context of transfers in drawdown), and more. Transfers in drawdown Transfers in ill-health If someone transfers from one pension scheme to another at a time when they know they are in ill...

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    Information and guidance

  • Why transfers in drawdown (TIDs) will be a key theme for advisers and the industry - Royal London for advisers

    And finally there's growing compliance and regulatory pressure on reviewing providers as customers move into drawdown and take income. The FCA’s Retirement Outcomes Review sought to improve transparency and disclosure to drawdown customers. The review was primarily concerned with the non-advised...

  • Pensions Roadshow Bristol - Royal London for advisers

    Actuarial Department’s most recent Quinquennial Review. Next we consider the Retirement Outcome Review from the interim report in 2017 to policy statement PS19/21 released in July 2019. We explore the key changes resulting from the review and the impact these are likely to have on both advised and non...

  • Covid-19 – advising through the storm - Royal London for advisers

    ...income requirements have actually increased, have a discussion with the client and review their plan to determine whether they can take additional risk to achieve a more sustainable level of income. 3. Time to consider a centralised retirement proposition (CRP) approach? The argument for adopting...

  • CRPs and Covid-19 - Royal London for advisers

    CRPs and Covid-19 Ryan Medlock 6 April 2021 Share Share 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. As we’ve already discussed, a centralised retirement...

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    News

    Blog

  • Investment pathways - Royal London for advisers

    Investment pathways Investment pathways have been introduced by the Financial Conduct Authority (FCA) to help improve retirement outcomes for customers who want to flexibly access their pension savings. What are investment pathways? Investment pathways are investment solutions, designed to meet...

  • The rise (and expected rise) of CRPs - Royal London for advisers

    ...a clearer picture to your clients about how you are managing these risks for them and striving for stronger client outcomes. As I highlighted in the previous piece, a CRP approach is about much more than just the investment solution being used. It’s about the retirement product, the use of planning tools...

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    Income Release

    Retirement Solutions

    News

    ...

  • De(CIP)hering CRPs - Royal London for advisers

    ...which can range from a multi-asset solution to a discretionary mandate. The process remains robust, structured and is subject to an ongoing review. This consistent approach can help advisers deliver some really good client outcomes in the accumulation phase. However, the CIP model may not be a good...

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    Investment governance

    News

    Blog

  • Adviser policy papers - Royal London for advisers

    Adviser policy papers Beyond customer outcomes We’re living in challenging times. Our population is getting older and many customers lack the means to support themselves in retirement in the way they would like. This coincides with a climate crisis that is damaging the world into which...

  • Discuss the right investment option - Royal London for advisers

    Discuss the right investment option Here you'll find a range of client facing material for you to directly use with your clients - covering the basics of investing for your retirement, client review letters and a simple to understand investment guide. Client review letter (word doc 28KB) A letter...

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    Investment options

  • Reminding trustees of their new responsibilities - Royal London for advisers

    Reminding trustees of their new responsibilities 4 December 2015 On 6 April 2015 new legislation came into force that introduced new responsibilities for trustees of occupational money purchase pension schemes.  Available material Advisers Adviser letter Trustees Trustee letter - Retirement...

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    News

  • Investment Governance Meeting Summary – 7 June 2021 - Royal London for advisers

    Investment Governance Meeting Summary – 7 June 2021 The Investment Advisory Committee (IAC) meet every quarter to review our Governed Range and funds. Support for you For more in-depth material you can access the following information: IAC Minutes in full Governed Portfolio and fund performance...

  • Thinking Beyond the FCA’s new Consumer Duty - Royal London for advisers

    ...people will live in when they reach retirement. In summary, we should extend the definition of good customer outcomes to include both elements; the product and the environment. Only then will we have a more complete picture of our duty to consumers, and a chance to truly improve their overall standard of living in retirement.

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    News

    Blog

  • Thinking Beyond the FCA’s new Consumer Duty - Royal London for advisers

    ...people will live in when they reach retirement. In summary, we should extend the definition of good customer outcomes to include both elements: the product and the environment. Only then will we have a more complete picture of our duty to consumers, and a chance to truly improve their overall standard of living in retirement. For a broader view of how we help improve customers’ standard of living in retirement visit royallondon.com...

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    News

    Blog

  • Review service - Royal London for advisers

    Client review service Whether your clients are trying to save for their retirement, or looking to start accessing their pension savings, you can use our client review service to conduct a cost-effective review service. You can create branded, visual reports which delve further into the year on year...

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    Campaign

    Tools and support

  • Centralised retirement propositions - Royal London for advisers

    ...and integrating these models within formal advice processes. CPD learning outcomes - 60 minutes After watching this webinar you'll be able to: Recognise the FCA’s concerns about retirement income advice. Develop an understanding of the relationship between the PROD rules, centralised investment propositions...

  • Royal London default investment - Royal London for advisers

    ...is automatically reduced as members move closer to retirement gradually switching from higher to lower risk investments.  Benefits of the Target Lifestyle Strategies Targeted outcomes Dynamic asset allocations Meets charge cap rules for scheme defaults Governance at no extra cost Automatic switching...

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    Investment options

  • Workplace pensions for independent schools - Royal London for advisers

    ...a review of the continuing membership of TPS. Many independent schools are likely to benefit from expert financial advice when exploring their options and considering different arrangements. In this webinar, Justin Corliss and Moira Warner investigate why these issues are pressing and highlight a number...

  • Investment Governance Meeting Summary – 2 September 2020 - Royal London for advisers

    Investment Governance Meeting Summary – 2 September 2020 The Investment Advisory Committee (IAC) meet every quarter to review our Governed Range and funds. Strategic Asset Allocation: Support for you For more in-depth material you can access the following information: IAC Minutes in full Governed...

  • Investment Governance Meeting Summary – 28 September 2021 - Royal London for advisers

    Investment Governance Meeting Summary – 28 September 2021 The Investment Advisory Committee (IAC) meet every quarter to review our Governed Range and funds. Support for you For more in-depth material you can access the following information: IAC Minutes in full Governed Portfolio and fund...

  • Taking action together for positive outcomes - Royal London for advisers

    Taking action together for positive outcomes 28 October 2021 Share Share By investing with Royal London, your clients are not only putting their money in reliable hands, but responsible ones too. We know your clients want a good financial return on their investments, but they also want their money...

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    News

    Blog

  • Value for money review - Crest - Royal London for advisers

    ...pensions to assess our own view of the value for money we provide. Trustees may wish to take account of this when forming their own views. We confirmed the outcome of our value for money review of Retirement Solutions schemes in December. And we’ve now completed the value for money review for Crest...

  • Now is the time to review your drawdown advice process - Royal London for advisers

    ...can we take from this period of turbulence? Time to hit the re-set button? This may be a good time to review and potentially re-set your drawdown advice processes. That doesn’t just mean where your drawdown clients are invested, it means your whole framework for providing retirement planning advice...

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    News

    Blog

  • Retirement flexibility - Royal London for advisers

    Retirement flexibility It’s good to have options. But it’s better to have choice and flexibility. That’s why our range of retirement options can adapt to suit employees’ needs. Secure income Employees can enjoy a guaranteed regular income for the rest of their life, by buying an annuity. Flexible...

  • Personal pensions - Royal London for advisers

    ...time to review their existing plans. By doing so, you’ll be ensuring they’re achieving the best possible outcomes. It’s also an opportunity for you to generate additional income for your business. Generating new business opportunities when you can't use your usual methods is challenging and it limits...

  • Income drawdown from Royal London - Royal London for advisers

    ...planning and review service for your clients. And when they're ready, clients can enjoy a symphony of retirement income options to suit their needs. All this comes with the added benefits of choosing a mutual, like ProfitShare. When we do well, we aim to boost your client's pension savings by adding...

  • The Investment Clock - Royal London for advisers

    (PDF) An Inflationary Rebound  February 2021 (PDF) Vaccines and policy ease boost stocks  January 2021 (PDF) Storm before the Calm  November 2020 (PDF) Strategic asset allocation review Find out more Read more about our: Governed Portfolios Governed Retirement Income Portfolios (GRIPs) Investment...

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    Investment overview

  • Strategic Asset Allocation (SAA) changes to our Governed Portfolios and Governed Retirement Income Portfolios - Royal London for advisers

    % -2.5%       Corporate Bonds -3.3% -2.5%       Cash           Why are we making these changes? We undertake a Strategic Asset Allocation review of both the Governed Portfolios and Governed Retirement Income Portfolios every three years to ensure we are continuing to deliver strong risk-adjusted returns...

  • Business Support Unit [pensions] - Royal London for advisers

    ...online demonstrations to show how our tools can support your client conversations. If you’re already familiar with our tools, we can also offer refresher sessions and help you understand how to get more out of them, for you and your clients. Explore our client review service Watch our short demo to find...

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    Business

    Online service

    Tools

  • Drawdown governance service – Q1 2021 update to income sustainability scores - Royal London for advisers

    Income sustainability scores now updated – Q1 2021 14 June 2021 Share Share Every quarter, our drawdown governance service (DGS) calculates a new income sustainability score for your clients, based on what's happening in the market. Q1 in review The income sustainability scores for Q1 2021 have now...

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    Tools

    News

    Blog

  • Target Lifestyle Strategies - Royal London for advisers

    Target lifestyle strategies A suite of strategies focussed on three customer retirement choices Find out more For more details view our Target Lifestyle Strategies factsheets. Target Cash Target Annuity Target Drawdown Our Target Lifestyle Strategies offer a choice of three different retirement end...

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    Investment options

  • 2021 Public Sector Pensionsupdate - Royal London for advisers

    (career average) benefits for the period 1 April 2015 to 31 March 2022 (the “remedy period”). This choice will be given at the point of retirement.Until that point, all individuals in scope will accrue benefits under their legacy scheme for the remedy period. This will mean moving some individuals back...

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    News

    Blog

  • Award winning pensions for your independent school clients - Royal London for advisers

    ...look forward to a future worth living in. Our aim is to provide the very best pensions experience for your clients and the best retirement outcomes for their scheme members, so we’re proud to say we put our customers at the heart of everything we do. That’s why we choose to focus on: Standout...

  • Governed Range for drawdown - Royal London for advisers

    Governed Retirement Income Portfolios (GRIPs) An investment proposition specifically for income drawdown. Our Governed Retirement Income Portfolios (GRIPs) are designed for customers who are looking to take a regular income. They come with the same expert governance and automatic updates...

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    Investment options

This website is intended for financial advisers only and shouldn't be relied upon by any other person. If you are not an adviser please visit royallondon.com.

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.