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You searched for the term Retirement outcomes Your search returned the following 40 results...
 
  • FCA Retirement Outcomes Review final report and consultation - Royal London for advisers

    FCA Retirement Outcomes Review final report and consultation Justin Corliss 26 July 2018 Share Share Justin Corliss explains the recent FCA review of retirement outcomes. On 28 June the FCA released the Retirement Outcomes Review (ROR) final report along with a consultation paper CP18/17, looking...

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    News

  • Retirement Outcomes Review part 1 - new age-based packs - Royal London for advisers

    Retirement Outcomes Review phase 1 - new age-based packs 30 October 2019 Share Share We’re introducing new-aged based packs as a result of the FCA’s new rules on ‘wake-up packs’. The FCA published policy statement PS19/1 at the end of January 2019, looking at how they plan to tackle some...

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    News

    Blog

  • Retirement Outcomes Review – Part 1 of 2 - Royal London for advisers

    Retirement Outcomes Review - part 1 Robin Nimmo 28 May 2019 Share Share The FCA published policy statement PS19/1 at the end of January 2019 detailing the first part of its package of remedies to address the issues they identified in the retirement market. Here we take a look at what the main...

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    News

    Blog

  • Retirement Outcomes Review – Part 2 of 2 - Royal London for advisers

    Retirement Outcomes Review - Part 2 of 2 Robin Nimmo 23 October 2019 Share Share The FCA published policy statement PS19/21 at the end of July 2019 detailing the second part of its package of remedies to address the issues it had identified in the retirement market. Here we look at the changes...

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    News

    Blog

  • Our summary and thoughts on the FCA’s recent feedback statement 19/5: Effective competition in non-workplace pensions - Royal London for advisers

    ...to Individual Personal Pensions, Stakeholder pensions, SIPPs, FSAVCs, S32s and RACs.  You’ll have noticed decumulation products such as income drawdown aren’t included in this list of “non-workplace pensions”. That’s because they’re covered as part of the Retirement Outcomes Review - you can read...

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    Opinion

    Workplace pensions

  • Pension product information - Royal London for advisers

    ...clients' income and see when things are heading off track. Every quarter, our drawdown governance... 14 Nov 2019 Retirement Outcomes Review phase 1 - new age-based packs The FCA published policy statement PS19/1 at the end of January 2019, looking at how they plan to tackle some of the issues they’ve...

  • Our mobile app just got slicker - Royal London for advisers

    ...about their retirement outcomes: 84% believe the app will encourage them to check their pension more often than they do currently. 68% believe they are  more informed about their savings as a result of using the app. 1 in 4 said they intend to increase their contributions as a result of using...

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    News

    Blog

  • Pension news from 2019 - Royal London for advisers

    ...commitments Oct 30 2019 At Royal London, we champion the value of impartial advice, we firmly believe it creates the best outcomes for clients like yours. Recently though, it’s become clear that some of our competitors don’t value impartial advice in the same way. Retirement Outcomes Review phase 1...

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    News

    Blog

  • Increasing the Financial Ombudsman Service (FOS) Award Limits - Royal London for advisers

    ...more FCA Retirement Outcomes Review final report and consultation - Royal London for advisers FCA Retirement Outcomes Review final report and consultation Justin Corliss 26 July 2018 Share Share Justin Corliss explains the recent FCA review of... Our summary and thoughts on the FCA’s recent...

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    News

    Blog

  • Centralised Retirement Propositions (CRP) - Royal London for advisers

    ...trend in annuity purchase. Drawdown is where it’s at. However it brings a different challenge - how to manage client savings in the income phase so the money doesn’t run out. It’s a hot topic and features in the FCA’s Retirement Outcomes Review which is a package of reforms designed to address...

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    Blog

  • Investment overview - Royal London for advisers

    ...constantly in line with their risk appetite. Targeted outcomes Lifestyle strategies reduce risk as clients get closer to retirement and target specific desired client outcomes. Robust governance process We have a robust governance process and take responsibility for reviewing and monitoring all...

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    Investment overview

  • Target Lifestyle Strategies - Royal London for advisers

    Target lifestyle strategies A suite of strategies focussed on three customer retirement choices Find out more Read further information about the suite of Target Lifestyle Strategies. For more information on the strategies, speak to your usual Royal London contact. Target Cash Target Annuity Target...

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    Investment options

  • The value of independent investment governance - Royal London for advisers

    The value of independent investment governance Research suggests that better governance leads to better outcomes – between 1% and 2% per annum additional returns, compared to weak governance*. Julius Pursaill, independent chairperson of the Investment Advisory Committee (IAC), talks about what good...

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    Investment governance

  • ProfitShare from Royal London - Royal London for advisers

    ...enjoy the best possible outcomes and experiences. ProfitShare is a tangible expression of that belief. Giving your clients a slice of our profits could help their retirement savings grow. So they’ll really feel the benefit of being part of Royal London. Share: Share:...

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    ProfitShare

  • 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

  • The rise of sustainable investing - Royal London for advisers

    ...for good consumer outcomes From an investment standpoint, sustainable investing is based on a very simple premise: environmentally responsible, socially positive and well-governed companies can deliver better investment than those who are not. We can see this in the large number of corporate scandals...

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    News

  • Managing money in retirement - Royal London for advisers

    Managing money in retirement 29 April 2019 Share Share Savers now have more flexibility than ever before in retirement. Of course, this comes with greater responsibility and more scope to make mistakes. Here we look at some of the key considerations when it comes to investing in retirement...

  • Use our tools for pensions and retirement - Royal London for advisers

    Tools for pensions and retirement Pensions tools and calculators Client review service Use as part of your regular review process to show clients how their plan is doing and what their future looks like. Drawdown governance service Helps you monitor the income your drawdown clients are taking...

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    Tools

  • 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

  • Why we're reaffirming our adviser commitments - Royal London for advisers

    Why we're reaffirming our adviser commitments Isobel Langton 30 October 2019 Share Share At Royal London, we champion the value of impartial advice, we firmly believe it creates the best outcomes for clients like yours. Recently though, it’s become clear that some of our competitors don’t value...

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    Opinion

    Opportunity

    News

    ...

  • Workplace pensions - Royal London for advisers

    , we’ll aim to boost members’ retirement savings by giving them a slice of our profits. We call this ProfitShare. Our adviser commitments We’re committed to advisers, and believe customers enjoy better outcomes when providers and advisers work together. Adding value where it counts Whether it’s tools...

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    Workplace pensions

  • What does value for money in a DC default look like? - Royal London for advisers

    ...and Independent Governance Committees (IGCs) are keen to evidence it. But what is it and can it really be measured? In reality value for money means different things to different people and quite rightly so. A member who is approaching retirement will value different benefits to a member who is just...

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    News

    Blog

  • Retirement - frequently asked questions - Royal London for advisers

    Retirement - frequently asked questions Q: Does a member in an occupational pension scheme have to actually retire and stop working before they can start to take their benefits? A: No provided their scheme rules allow it. Q: How much tax-free cash sum can be taken from a retirement annuity contract...

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    Frequently asked questions

  • Use our At Retirement tool - Royal London for advisers

    At Retirement tool Our At Retirement tool will help you establish what income your client needs in retirement and demonstrate the options available to meet their needs. How does it work? Get started Try the tool To use the tool you must be registered with our online service - Register now...

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    Pension freedom

    Tools

  • New FCA rules on pension transfer values set to shake up transfer market - Royal London for advisers

    ...to show their clients a transfer value comparator (TVC) which compares the cash equivalent transfer value (CETV) their company pension scheme has offered, with the lump sum needed today to buy an equivalent retirement income. The TVC is based on the assumption that the transferred money is invested...

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    Defined Benefit

    News

    Blog

  • How sustainable is your client’s cash flow? - Royal London for advisers

    ...income and achieve better outcomes. Over 1/3 of the customers registered on our DGS system are invested in GRIPs. Helping demonstrate to advisers that GRIPs are helping them manage and maintain their client’s income in retirement. Almost 37% of our customers in Income Release are taking a regular...

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    Blog

  • Retirement planning for future generations - Royal London for advisers

    Retirement planning for future generations. 29 May 2018 Share Share We look at how your clients can start saving for their children and grandchildren’s retirement. Providing a decent pension to live on is an expensive business. To provide an income of £32,000 p.a. from age 65 would require...

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    News

    Blog

  • Our adviser commitments - Royal London for advisers

    ...get the best possible outcomes. However, it’s becoming increasingly clear that not all providers believe this too.  In light of this, we want to reaffirm our adviser commitments. Because while the world around us moves and shifts, our commitment to advisers remains constant. Video transcript At Royal...

  • So what does Pension Dashboard mean for advisers? - Royal London for advisers

    , what does that mean? And these are exactly the sorts of questions that we need more people in the UK to ask if we’re going to fill the retirement savings gap and help more people get better outcomes.  The problem is that most people in the UK don’t know the answer.  So they need advice...

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    News

    Blog

  • RLAM's Responsible Investment team - Royal London for advisers

    ...companies are being are impacting the environment or society. As companies become more responsible actually they tend to provide better outcomes in terms of their financial results and often better returns for us as investors as a whole. We work with companies to try to encourage them to operate...

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    Investment overview

    Investment governance

  • Our investment process - Royal London for advisers

    ...matters quite quickly. While they can suffer from regret when their investment decisions turn out badly,they are usually able to accept that occasional poor outcomes are a necessary part of long-term investment. Adventurous Adventurous investors typically have high levels of investment knowledge and keep...

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    Investment overview

  • Retirement options follow-up mailing - Royal London for advisers

    Retirement options follow-up mailing 12 February 2016 We’re contacting customers about pensions flexibility and other enhancements to our pensions. Available material Adviser Death benefits Death benefits – Q&A Nominating beneficiaries – Q&A Changes to the taxation of lump sum death benefits...

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    News

  • Lifetime allowance charge case studies - Royal London for advisers

    ...the LA is taken. The charge is: 55% if taken as a lump sum, or 25% if taken as income. Phased retirement Emma was 57 on the 6 April 2010 and had a benefits value of £3 million. She takes her benefits in two stages - 6 April 2010 and 6 April 2019 and had not applied for any form of protection and had...

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    Information and guidance

  • Investing in the right way - Royal London for advisers

    Portfolio performance Access monthly performance information for our Governed Portfolios. IAC Governance information Easy to read summaries detailing key outcomes or our full in-depth minutes from each IAC meeting held within the last year. Governed Range review documents Download review documents for each of our Governed Portfolios.

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    Investment options

  • Lifetime allowance master-class - Royal London for advisers

    ...rule and more. MiFID – a PROD at the adviser impacts - download the presentation CPD learning outcomes - 60 minutes After watching this webinar you’ll have an understanding of: the main adviser impacts of the Markets in Financial Instruments Directive II (MiFID II). the costs and charges disclosure...

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    CPD

    Webinars

  • Brexit webinar update - March 2019 - Royal London for advisers

    , Melanie Baker share their thoughts on Brexit. Trevor and Melanie will consider the impact the situation has had on the UK so far as well as the range of potential outcomes that are still on the table, from an extension to a no-deal or even no-Brexit, and what this could mean for investors. They will also share their approach to positioning funds during these unpredictable times. Listen now Share Share Last updated: 29 Mar 2019...

  • Watch our lifetime allowance CPD webinar - Royal London for advisers

    ...before providing opt out advice. Lifetime allowance – Take it to the limit... and beyond presentation  *This webinar was recorded on 02 July 2019. CPD learning outcomes - 60 minutes At the end of this session you’ll have an understanding of: Why the LTA was introduced. How it works and the various...

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    Webinars

  • Lifetime allowance master-class - Royal London for advisers

    ...of technicalities presentation  *This webinar was recorded on 20 June 2019. CPD learning outcomes - 60 minutes At the end of this session you’ll have an understanding of how to: Evaluate the impact the LTA may have on your clients’ pension planning. Evaluate the impact the LTA may have...

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    CPD

    Webinars

  • 2014 Budget Summary - Royal London for advisers

    ...administrator is not a fit and proper person, and the scheme has been established for purposes other than providing pension benefits. This is a welcome move which will hopefully help in the fight against pensions liberation, and the poor outcomes for individuals that can be the result. Pensioner savings...

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    Information and guidance

  • Personal pensions - Royal London for advisers

    Introducing our personal pension The right ingredients for a successful retirement. We understand that your clients' needs and goals will often change as life unfolds. That's why we've packed our personal pension full of flexibility. So you can tailor each plan to your clients' individual needs. We...

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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.