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You searched for the term Retirement outcomes 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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  • 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...

  • Benefit options - Royal London for advisers

    ...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 construction how to review income drawdown plans in a compliant and cost effective manner. Recorded on 18 November 2020. Income...

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    Information and guidance

  • Transfers explained - Royal London for advisers

    ...some 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...

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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...

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

    De(CIP)hering CRPs Ryan Medlock 25 September 2020 Share Share I’ve heard plenty of people dismiss CRPs as just a fancy term for decumulation CIPs, but there’s a lot more than just clever marketing to the latest retirement buzz term. We all know that the decumulation phase of retirement planning...

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    Investment governance

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  • How to bring retirement income needs to life - Royal London for advisers

    How to bring retirement income needs to life 20 July 2022 The Retirement Living Standards are a fantastic introduction to income needs in retirement, especially for non-advised clients, but can these be used for advised clients and what can paraplanners do to help? In October 2021, the Pensions...

  • Advising through the Ukraine crisis - Royal London for advisers

    ...of pension saving Clients approaching retirement Clients in drawdown and taking a regular income Regular savers in the accumulation phase of pension saving Tip 1: Highlight the mantra that pensions are a long-term game We all know that a pension investment is for the long-term, but some clients may...

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

    Tools for pensions and retirement Here you'll find useful tools and guidance on how to use our online service to support your business. Pension tools Financial planning tool Gives your clients a full picture of their different sources of income and how their spending needs could change over time...

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    Tools

  • Retirement benefits in public service - Royal London for advisers

    Retirement benefits in public service pension schemes 28 July 2022 Share Share This new interactive policy paper looks at the wider rules of the Teachers’ and NHS pension schemes and how members can claim their benefits. In the paper, Royal London's Senior Pension Development and Technical Manager...

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  • PLSA – Retirement Living Standards - Royal London for advisers

    PLSA – Retirement Living Standards Craig Muir 31 March 2022 How can you quickly show potential clients how much income they need in retirement? In October 2021, the Pensions and Lifetime Savings Association (PLSA) announced their new Retirement Living Standards. They created these living standards...

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  • Retirement - frequently asked questions - Royal London for advisers

    Retirement - frequently asked questions Q: Does an individual 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 lump sum can be taken from a retirement annuity...

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    Frequently asked questions

  • 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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  • 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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  • Our financial wellbeing service is on the app - Royal London for advisers

    Our financial wellbeing service is on the app 5 October 2022 We’ve enhanced some of the features within our app to help customers engage more with their savings and achieve better outcomes in the future. Our new financial wellbeing service is designed to help your clients build stronger business...

  • CRPs – retirement planning’s final frontier? - Royal London for advisers

    CRPs – retirement planning’s final frontier? Ryan Medlock 8 September 2020 Share Share Are CRPs really the Holy Grail for retirement planning or is it simply marketing spin for a fancy CIP? It’s certainly a debate worth wading into… We are seeing an increase in the number of advisers who believe...

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    Retirement planning

  • New mobile app features – now live - Royal London for advisers

    New mobile app features – now live 1 October 2021 Customers can now view and add beneficiaries to their pension plan using our mobile app. We've updated our mobile app, so your client’s employees can now view and add beneficiaries through the mobile app.   We’ll tell your clients about this in our September employer newsletter a...

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    Retirement Solutions

    Workplace pensions

  • Helping employees understand pension tax - Royal London for advisers

    Helping employees understand tax relief on pension contributions 29 June 2021 We recently surveyed 2000 people to carry out research into pension tax. Over a quarter of Brits say they’ve never heard of tax relief and only 15% have a full understanding of tax relief on pension contributions. To help your clients boost their emplo...

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  • We’ve added more features to our mobile app - Royal London for advisers

    Our new mobile app features 22 July 2021 Customers will soon be able to view any nominated beneficiary details on their workplace pension plan. We're making updates to our mobile app so your clients' employees will soon be able to view their  nominated beneficiaries. If they want to add a new beneficiary they'll be able to do th...

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  • Scheme pays deadline - Royal London for advisers

    Scheme pays deadline Jim Grant 29 June 2021 Share Share The last date for requiring a pension scheme to pay an annual allowance charge arising from tax year 2019/20 is 31 July 2021. Here we explain more about 'scheme pays' and what employers and their employees need to do. What is 'scheme pays'? An annual allowance for pension s...

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  • The Value of good governance - Royal London for advisers

    ...customer outcomes and how responsible investment will impact the future of governance. Podcast transcript [ Katie ] Hi I'm Katie Eagles from Royal London's investment solutions team and I'm delighted to be joined by Candia Kingston the new Independent Chair of our Investment Advisory Committee better...

  • Workplace pensions - Royal London for advisers

    ...are transferred seamlessly. Benefits for you and your clients Our workplace pension has a range of benefits for you, your clients and their employees. Five-star service Engagement support Governance A range of retirement options Our great service is industry recognised and has been voted 5 stars...

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    Workplace pensions

  • Advising lower risk clients - Royal London for advisers

    ...or in-retirement and created a conundrum where lower risk has become the new higher risk. Amongst the spiralling cost of living crisis, how can advisers alleviate client concerns and what steps can they take to help deliver better outcomes for risk-averse clients? Managing client concerns Engage...

  • Governed Range for drawdown - Royal London for advisers

    Governed Retirement Income Portfolios (GRIPs) An investment proposition specifically for income drawdown. They come with the same expert governance and automatic updates that the Governed Portfolios benefit from to help keep the portfolios on track. All about GRIPS There are five Governed...

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    Investment options

  • Teachers’ Pensions - value can’t be measured in pounds and pence alone - Royal London for advisers

    ...sources of income can be used to support retirement planning goals. It ignores the potential opportunity value to a member of access to a DC pot. And that value lies in access to cash. Cash without retirement Firstly, it allows access to a lump sum from age 55 for the teacher to dispose...

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  • Lifetime allowance charge case studies - Royal London for advisers

    ...the excess benefits value above the lifetime allowance 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 2022. She had...

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  • 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

  • Steve Webb announcement - Royal London for advisers

    ...and helping to achieve good customer outcomes. Responding to the announcement of Sir Steve Webb’s departure, Barry O’Dwyer, Chief Executive of Royal London said: Royal London has been privileged to benefit from Steve’s extensive and unrivalled experience and knowledge. He has tirelessly campaigned...

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  • Personal pensions - Royal London for advisers

    . Go to Pension Portfolio Proven investment solution Our Governed Range boasts a 13-year track record for delivering successful investment outcomes. Go to investments Integrated drawdown facility Move your clients seamlessly into drawdown – from within the same plan. Go to drawdown We’re easy to do...

  • Governed Retirement Income Portfolios assessed by AKG - April 2020 - Royal London for advisers

    Governed Retirement Income Portfolios assessed by AKG - April 2020 26 June 2020 Share Share We’ve received independent validation of our Governed Retirement Income Portfolios (GRIPs) and the governance structure and processes underpinning them from AKG. The independent assessment of the GRIPs looks...

  • Drawdown governance service - Royal London for advisers

    ...clients quickly  and easily and produce easy to read client reports. Speak to your usual Royal London Sales or visit our website. Governed Retirement Income Portfolios (GRIPs) We also offer five GRIPs, designed with the aim of helping clients achieve a sustainable income in retirement...

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    Tools and support

  • 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

  • More reasons to recommend Royal London for workplace pensions - Royal London for advisers

    More reasons to recommend Royal London for workplace pensions 28 April 2022 We're making it easier for you and your clients to support members when they're transferring their savings using our tried and tested onboarding approach. We can accept the key information directly from you without the need to verify this first. And if y...

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    Retirement Solutions

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

    ...to a more optimal position for these portfolios where we should see better outcomes for our customers. Our equity benchmark change involves being more exposed to Global and Emerging markets and less exposed to UK markets, which has increased future expected returns. This will also contribute to a further...

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  • 2014 Budget Summary - Royal London for advisers

    ...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 bonds 1.173 of HM Treasury - Budget 2014 From January 2015 National Savings and Investments will launch a choice...

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    Information and guidance

  • Investing in the right way - Royal London for advisers

    . Governed 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.

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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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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.