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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 phase 2 – changes to drawdown key features illustrations - Royal London for advisers

    Retirement Outcomes Review phase 2 – changes to drawdown key features illustrations 2 April 2020 Share Share We’re introducing a new one-page summary and updated New Business drawdown key features illustration as a result of the FCA’s new rules on drawdown and UFPLS disclosure. The FCA published...

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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

  • 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 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

  • 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

  • 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

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

    ... 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... Pensions liberation fraud - Royal London for advisers...

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    News

    Blog

  • Pension news from 2019 - Royal London for advisers

    ...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 - new age-based packs Oct 30 2019 We’re introducing new-aged based packs as a result of the FCA’s...

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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

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

    CRPs – retirement planning’s final frontier? Ryan Medlock 11 May 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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    News

    Blog

    Retirement planning

  • With freedom comes responsibility - Royal London for advisers

    ...ignore the longer term benefits of diversification. Sequencing risk gradually becomes more and more important as retirement age approaches, and so the risk of poor outcomes for members gets greater and greater. The decade of stockmarket growth that we have enjoyed to date means no-one has seen...

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

    De(CIP)hering CRPs Ryan Medlock 22 January 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

    News

    Blog

  • Workplace pensions - Royal London for advisers

    Our workplace pension We know that choosing a workplace pension can be a tricky business. So we focus on what really matters to employers. Our award-winning workplace pensions offer flexible employer contribution levels, high-quality investment options, and a range of retirement options. Reasons...

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    Workplace pensions

  • Business owner - the need for financial planning CPD - Royal London for advisers

    ...and the implications of the annual allowance, tapered annual allowance and lifetime allowance. CPD learning outcomes - 60 minutes After watching this webinar, you'll be able to: Explain the benefits of pensions for the business owner. Detail the issues in pensions planning. Consider the business and the owner and the implications for each. Explain retirement and death benefit options.

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    CPD

    Webinars

  • 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

  • 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

  • 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

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

    ...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 to help you mitigate issues like...

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    Income Release

    Retirement Solutions

    News

    ...

  • RLP Property fund update - Royal London for advisers

    . This delay does not apply to normal retirement claims, death claims or income  requirements in drawdown. Why are we making this change? We have seen increasing uncertainty related to the valuation of property fund assets due to the impact of the Covid-19 virus. This has caused a number of Property funds...

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    Fund information

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

    Tools for pensions and retirement Pensions tools and calculators Financial planning tool Gives your clients a full picture of their different sources of income and how their spending needs could change over time. Client review service Use as part of your regular review process to show clients how...

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    Tools

  • 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

  • CRPs and Covid-19 - Royal London for advisers

    CRPs and Covid-19 Ryan Medlock 11 May 2020 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

  • 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...

  • Retirement benefits in public service - Royal London for advisers

    Retirement benefits in public service pension schemes 29 April 2020 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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    News

    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

  • DB pension transfer advice consultation - Royal London for advisers

    ...charging is a driver of poor advice outcomes. The proposed ban focuses on initial advice charges, but ongoing advice charges present a greater bias towards a positive recommendation to transfer which a ban on contingent charging does not address. A ban on contingent charging has the potential...

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    Defined Benefit

    News

    Blog

  • 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

    ...

  • Steve Webb announcement - Royal London for advisers

    ...competition 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...

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    News

    Blog

  • 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

  • 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...

  • 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

  • ProfitShare from Royal London - Royal London for advisers

    ...will be awarded ProfitShare. We’ll boost unit-linked customers’ retirement savings by 0.15%. * This is based on year end 2019 and includes awards made to with profits customers. These customers will receive a 1.2% enhancement in 2020. Mutuality defines us We have a four-year track record of awarding...

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    ProfitShare

  • 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

  • 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...

  • 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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    News

    Blog

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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.