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You searched for the term drawdown CRP centralised investment proposition Your search returned the following 40 results...
 
  • Now is the time to review your drawdown advice process - Royal London for advisers

    ...advice processes. That doesn’t just mean where your drawdown clients are invested, it means your whole framework for providing retirement planning advice, your Centralised Retirement Proposition (CRP). This includes re-evaluating your processes for fact-finding, assessing your retirement clients...

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    News

    Blog

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

    ...at Ascentric recently carried out some extensive research in this area and found that adviser centralised retirement proposition (CRP) usage is expected to swell over the next year, rising from 48% now to 71% in 2021, which is a substantial upswing. To date, adviser interest in adopting a CRP approach...

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    Income Release

    Retirement Solutions

    News

    ...

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

    The centralised investment proposition (CIP)  was spawned from the Regulator’s ‘Assessing Suitability’ paper all the way back in 2012. In its broadest sense, a CIP allows you to deliver a consistent and repeatable investment process for your clients and its popularity has continued to go from strength to strength...

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    Investment governance

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  • CRPs and Covid-19 - Royal London for advisers

    proposition (CRP) is a much more sophisticated vehicle than just taking a centralised investment proposition (CIP) and swapping the investment fund for one aimed at retirement clients. Retirement advice is fundamentally different to advice in accumulation and a CRP framework reflects those key...

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    News

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  • 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

  • Supporting your drawdown conversations - Royal London for advisers

    ...articles View more De(CIP)hering CRPs Ryan Medlock looks at the difference between centralised investment proposition (CIP) and centralised retirement proposition (CRP) - and the... Why there’s no such thing as a typical drawdown customer Find out what our data tells us about the ‘average’ client...

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    Income Release

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

    ...a centralised investment proposition (CIP) approach used for accumulation clients and then swap the investment solution to a more income-orientated investment strategy. However, I’d argue that CRP’s need to go much further than just being a CIP for retirement clients. In fact, I actually believe...

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    News

    Blog

    Retirement planning

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

    Centralised Retirement Propositions (CRP) Lorna Blyth 29 August 2019 Share Share Lorna Blyth, Head of Investment Solutions at Royal London, looks at the rise of drawdown, investment pathways and how advisers are adapting centralised investment propositions to deal with the different needs...

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    Blog

  • 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...

  • Managing a drawdown plan through volatile markets - Royal London for advisers

    ...the screw on the investment strategy used within... The rise (and expected rise) of CRPs - Royal London for advisers ...at Ascentric recently carried out some extensive research in this area and found that adviser centralised retirement proposition (CRP) usage is...

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    Blog

  • Download our pensions literature - Royal London for advisers

    Options Charges Summary (18B2) Talisman Retirement Options Income Drawdown (24P2) Change of Investment Application Form (2TA0105) Talisman Pension Plans (1986) Charges Leaflet (16L20) Talisman Pension Plans (1998) Charges Leaflet (26L15) Tax-Free Cash Entitlement Form (32A30) Your transfer in payment...

  • Find the right application form - Royal London for advisers

    ...and/or take tax-free cash or income payments from an existing capped or flexi-access drawdown Pension Portfolio Income Release Additional contribution with tax-free cash and start/change income application form (65A39) If they’re using a Self Investment Plan to: Make an initial regular and/or single...

  • Capped income drawdown and review dates - Royal London for advisers

    ...no other sums or assets. There is more information in HMRC's  Pensions Tax Manual - Transfers in drawdown. Summary In most situations the maximum income that can be taken from a drawdown plan will change at each review, depending on investment performance, the amount of income taken and the prevailing...

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    Information and guidance

  • Complete investment solution - Royal London for advisers

    ...houses. Clients can also invest in the stock market through our execution only online share dealing service. Our panel of discretionary fund managers offer a professional investment service taking on the responsibility of selecting and monitoring your client’s investments. Clients can also invest...

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

    ...coming into force on 1 August 2020. Investment pathways Non-advised customers must be offered investment pathways when they move pension savings into drawdown or transfer funds already in drawdown into a new drawdown arrangement.  The main exception to this is when a provider is following an existing...

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    News

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  • 65rt01123-key-messages-for-your-suitability-reports.rtf

    ...apply; FUND VALUE AMC DISCOUNT APPLIED £30,300 or less 0.10% £30,300 - £60,700 0.50% £60,700 - £182,000 0.55% £182,000 - £607,000 0.60% £607,000 or more 0.65% Royal London offers a wide variety of investment options which you can choose to invest in. Their range of adviser charging options can...

  • Income sustainability scores updated - are your clients still on track? - Royal London for advisers

    ...the GRIPs helps drive equity like performance with lower overall volatility. Our GRIP proposition continues to stand out from the crowd delivering consistent performance across volatile periods to help support regular withdrawals. You can use our drawdown governance service to discuss...

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    Income Release

    Tools

    Tools and support

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  • Keeping our customer informed - Royal London for advisers

    ...and the remaining amount would be taxed as income at the appropriate rate. 2TLT1334 - Existing drawdown (older contracts) This notice sets out the changes we are making to clients’ income drawdown retirement options under their plan with effect from 6 April 2015. 2TLT1335 - Pension Portfolio (plans...

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

    ...switching reports Retirement modeller tool – drawdown scenarios Drawdown switching reports Provider comparison reports Model portfolio price comparisons Product filter templates Investment research Product research Create your bespoke investment templates Help you with risk mapping Create custom...

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    Business

    Online service

    Tools

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

    ) to provide clarity on some of the investment options available through the Core Investments and how these work. allowing benefits to be paid to a beneficiary after the death of the client rather than being restricted to being paid only to a dependant. allowing beneficary drawdown as an option...

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    News

  • Income drawdown - Royal London for advisers

    ...account within 5 working days. We'll only apply a one-off charge in certain circumstances when Income Release is first used. Income Release at a glance Integrated drawdown facility within our Pension Portfolio product. Our income management facility, Income Tap lets clients invest the rest of their plan...

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    Personal

    Income Release

  • Governed range factsheets - Royal London for advisers

    Governed Range factsheets and datasheets View our factsheets for key fund information and datasheets for more in-depth information including holdings, performance and tactical commentary. Choose from our investment solutions below to view the latest factsheets and datasheets. Choose an investment...

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    Fund information

  • Investment factsheets and prices - Royal London for advisers

    Investment factsheets and prices We aim to provide access to a comprehensive range of funds and fund managers through all of the Royal London contracts. It is important that you understand the potential risks associated with our funds. Our factsheets should be read in conjunction with our Guide...

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    Fund information

  • Remuneration - Royal London for advisers

    ...contribution into your client’s plan before cancelling units to pay the adviser charge. We'll always deduct the charge from your client's plan before making a payment to you. Self Investments and income drawdown If your client uses our Self Investment and/or our income drawdown facility – Income...

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    Personal

    Pension Portfolio

  • Royal London default investment - Royal London for advisers

    Our default investment The Royal London default investment is the Balanced Lifestyle Strategy (Drawdown) Our default investment options offer your clients: Solutions designed by our investment experts A selection of lifestyle options Flexibility over default choice Governance you can count...

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    Investment options

  • Talking about drawdown video transcriopt - Royal London for advisers

    drawdown clients into the same centralised investment proposition as your accumulation clients is unlikely to be the best thing as far as PROD is concerned. Now, our research at Royal London does highlight that just under 40% of advisors use the same investment process for accumulation clients...

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

    ...greater it should hopefully become much clearer to define and measure value for money. Related content show more Royal London default investment - Royal London for advisers Our default investment The Royal London default investment is the Balanced Lifestyle Strategy (Drawdown) Our default investment...

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  • Tactical allocation & default funds - Royal London for advisers

    ...funds How does a With Profits plan work? With Profits is a type of pooled arrangement that may invest in companies, both in the UK and... Fund list - Royal London for advisers ...contracts, please check our Investment Options (by contract) leaflet. Find out more about our pension funds Fund factsheets...

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    News

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  • Taking benefits - Royal London for advisers

    ...on the type of plan, to phase benefits. Income from a pension is taxed as earned income. Income can be paid in one or a combination of ways: Secured pension Income drawdown Partial Uncrystallised Funds Pension Lump Sum The options on how the benefits can be provided depends on the type of pension plan...

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    Information and guidance

  • What is flexi-access drawdown? - Royal London for advisers

    What is flexi-access drawdown? Flexi-access drawdown (FAD) replaced the capped and flexible drawdown options for individuals setting up a new drawdown plan from 6 April 2015. Any existing flexible drawdown plans automatically became FADs on 6 April 2015. Key facts Flexi-access drawdown is only...

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    Information and guidance

  • Income drawdown – changing the conversation - Royal London for advisers

    Income drawdown – changing the conversation Lorna Blyth 26 November 2018 Pension freedoms gives savers significant flexibility in deciding how much to take out of their pension each year. This is driving dialogue about income requirements, where and how to invest in order to meet...

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    News

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  • A gripping six years - Royal London for advisers

    A gripping six years Lorna Blyth 27 September 2018 Our Governed Retirement Income Portfolios (GRIPs) have reached their six-year milestone: Lorna Blyth, Head of Investment Solutions, reflects on their performance. Centralised Retirement Propositions GRIPs are our range of investment solutions...

  • Pensions A to Z - Royal London for advisers

    ...pensions (TPR) Income drawdown - frequently asked questions Individual protection Inter vivos - how does it apply to gifts and when should it be used? Investment rules Investments - SSAS versus SIPP Investments, property and borrowing - frequently asked questions J L Lifetime allowance Lifetime...

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    Pension freedom

    Auto enrolment

    Information and guidance

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  • Income drawdown from Royal London - Royal London for advisers

    Income drawdown from Royal London At Royal London, we’re committed to supporting you and your clients. That’s why we’ve composed a drawdown proposition that will be music to your ears. From carefully crafted investments, to flexible retirement options, we’ve fine-tuned things to create an overall...

  • Sustainable income levels can safeguard portfolio strength during volatile markets - Royal London for advisers

    How sustainable income levels can protect portfolio strength 15 February 2019 Share Share Taking a sustainable level of income is important in helping drawdown customers maintain a resilient portfolio during periods of investment volatility. ×Close Customers in income drawdown should think about...

  • Retirement options mailing - Royal London for advisers

    ) 2TLT1332 DC schemes Individual Crest Secure Pension Plan (individual policy) 2TLT1332 DC schemes Individual Retirement Solutions Individual Plan 2TLT1333 DC schemes Individual Executive pension plans Product Leaflet reference number Product type Group/Individual plan Executive Pension Investment Plan...

  • 190627-London - Royal London for advisers

    ...and regulatory concerns associated with income drawdown Understand how to invest to meet customer needs in drawdown  Recognising the varying needs of clients in retirement and understanding the considerations involved in meeting those needs 1https://www.fca.org.uk/publication/data/data-bulletin...

  • Our investment options - Royal London for advisers

    ...your pension. Target Lifestyle Strategies Three sets of strategies offering different customer retirement choices. Fund information Factsheets and performance for our range of investment options. Investing for your retirement guide Find out more about our investment options. RL Investment default Royal London Balanced Lifestyle Strategy (Drawdown).

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    Investment options

  • Nominee and successor flexi-access drawdown - Royal London for advisers

    Nominee and successor flexi-access drawdown The retirement freedoms introduced the concept of nominee and successor flexi-access drawdown.  We consider what they are, how they operate and their attraction. Key facts Since 6 April 2015 you no longer have to be a dependant to receive drawdown income...

  • Pensions Roadshow Bristol - Royal London for advisers

    ...could run out of money in retirement.2 This presentation will look at different ways to invest in retirement and how to manage client expectations when it comes to income sustainability. Learning outcomes:  Identifying risk factors and regulatory concerns associated with income drawdown Understand how...

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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.