Industry news and views from Panacea and our partners.
Retirement_
What Price Peace of Mind?
Despite the freedom provided by Pension Reforms, it is still true to say that everyone has core expenditure needs that they need to meet which becomes their personal minimum income requirement.
Scottish Widows November Techtalk
Scottish Widows Techtalk magazine provides topical expert guidance for intermediaries that anticipates, interprets and forecasts key industry changes and regulation.
Scottish Widows September Techtalk
Our Techtalk magazine provides topical expert guidance for intermediaries that anticipates, interprets and forecasts key industry changes and regulation.
Retirement. Choices or conundrums?
Retirement is the subject of the moment as advisers, providers and clients alike begin to come to terms with what the recent Pension Reforms actually mean.
M&G: 5 key retirement issues
M&Gs Technical Director Julian Hince, and Investment Specialist Maria Municchi look at some of key issues to be overcome when planning for retirement.
Aegon: Stop drawdown income running out with Secure Retirement Income
Drawdown has some great benefits, until theres a market downturn. The impact on the value of a clients savings and the amount of income they can take can be painful. Investors may try to ride it out. But you could have some difficult conversations ahead.
M&G: Saving for retirement
At retirement, the state pension is unlikely to be enough. Share with your clients the stark facts of pension provision.
Aegon: Secure Retirement Income
Income security is important to a lot of savers. But so is having the flexibility to change an income strategy if circumstances change. Secure Retirement Income (SRI) gives savers both.
Bright Grey: What will the proposed welfare cuts mean for your clients?
In Julys budget this year, George Osborne proposed freezing many working age benefits and making more cuts to welfare benefits.
Equity release conundrum?
Is equity release really a good option? Many clients who feel they will need to pay for care may consider future funding through equity release schemes but what does that achieve if care is required?
BlackRocks Retirement Tool
Use the CoRI tool to provide a quick way to estimate what it will cost today for each pound of annual income in retirement and give you a new way to frame important retirement conversations with your clients.
Canada Life: Changes to Pension Input Periods and the Tapered Annual Allowance
In addition to the Pension Freedoms that came into effect in April, the chancellor also announced in his Summer Budget changes to the annual allowance and pension input periods. Sam Newton discusses these changes and the opportunities they provide
Hodge lifetime: Borrowing into retirement
For many homeowners looking to borrow past their retirement age, options can be limited. The main residential lenders have tightened their criteria significantly for this type of customer even though many would argue that they have sufficient disposable income in retirement to continue making regular mortgage payments.
Aviva: Living longer in retirement
Our short video on living longer in retirement helps explain to your clients why their pension pots may have to last longer than expected. We've put together an email template to help you easily share this video with your clients.
Manage drawdown risk
Drawdown has some great benefits, until theres a market downturn. The impact on the value of a clients savings and the amount of income they can take can be painful. Investors may try to ride it out. But you could have some difficult conversations ahead.
Canada Life: Help your clients retire with confidence
The new pension freedoms have given your clients more choice and flexibility when it comes to their retirement income. This short animation outlines the options now available and the range of flexible solutions to help plan for their retirement.
Aegon: A straightforward way to manage client income risk
Secure Retirement Income (SRI), Aegons secure drawdown solution, may help your clients achieve what they want - income certainty and flexibility. And because its on our integrated retail and workplace platform, blending SRI with other investment options is a straightforward fund switch.
BirthStar® Research Series CPD #Rethinking Retirement
Please join us for a FREE workshop on Rethinking Retirement Investing. These workshops aim to provide an introduction to the theory and practice of designing retirement strategies.
Trust Pensions: Seminar. Automatic enrolment - time to act
Free seminar on auto-enrolment, outlining employer obligations and highlighting key action points
Aegon: A straightforward way to manage client income risk
Secure Retirement Income (SRI), Aegons secure drawdown solution, may help your clients achieve what they want - income certainty and flexibility. And because its on Aegons integrated retail and workplace platform, blending SRI with other investment options is a straightforward fund switch.
FundsNetwork: Theres never been a better time to be an adviser
The Head of Advisory Services at FundsNetworkTM, Jon Everill, tells us why, with another FCA review on suitability looming, he believes the profession is doing better than ever at managing the day-to-day complexities of the retirement phenomenon.
Aviva: Limited time only! Equity Release fee down to £5
Clients can now save £595 on our Equity Release fee. Visit Aviva for Advisers to download our client friendly flyer now and share the good news with them!
Aegon launches guaranteed drawdown to meet twin demands of flexibility and income certainty
Secure Retirement Income from Aegon has been designed to meet growing demand for flexibility and income certainty, providing an alternative to an annuity or flexi access drawdown, both of which have limitations.
Aegon: Balancing the ambition of youth with the realities of later life
The UKs graduation season has just come to a close and more than 750,000 postgraduates have entered the labour market for the first time. After completing their exams some will be tramping through unspoilt wildernesses to blow off steam while others will be sunning themselves on the worlds beaches as they forget the stress of studying. A few will have already dived headlong into their careers.
Jimmy Choo among investment options taking Aegon Retirement Choices through 4,000 milestone
The Aegon Retirement Choices platform is making great and well-appointed strides in its bid to offer choice to advisers and their clients.
FundsNetwork: Retirement guides for your clients
Pensions have been transformed. New rules give people far more flexibility when they retire, and freedom to spend their pension savings as they wish. To help your clients navigate the changes, determine what choices they need to make and learn how to get the most out of their savings, FundsNetworkTM have put together the following guides for you to share with your clients who are approaching, at, or already in, retirement.
Aviva: Retirement Spotlight
Head of Distribution, Retirement Solutions for Aviva Life UK, Tony Warwick, explains how our new resource for advisers can maximise business opportunities. You'll find loads of helpful support covering everything from client issues to management tips, all with a strong practical slant to help you generate more business.
Aviva: Helping your customers get to grips with pension changes
Deciding what to do with pension savings is an important step, and now customers will have more choices to consider once they reach 55.
Aviva: Living on your property, not just in it?
When George Osborne stood up in the Commons in March 2014, he set in motion a wave of change that will continue to reverberate around the retirement planning world for some time to come. Unsurprisingly, most of the focus has been on pensions and how best to take benefits. There has been a reported rapid swing away from traditional annuities towards more flexible drawdown arrangements as people seek to access capital, higher income levels and the perceived better value they may deliver.
Welcome to the BirthStar® CPD Research Series
Our research is designed to help advisers navigate the new retirement freedoms to target better outcomes for their clients. The BirthStar® Research Series papers are triple accredited by leading industry bodies - the IFP, PFS and PMI.
Aegon: Prioritising pensions will help women close the gap on their male colleagues
Last week Nobel laureate Sir Tim Hunt lit a fire under the gender equality debate and the flames of discussion are still burning across the national medias front pages.
Royal London - Is this the end?
The question I get asked most often is whether an interest rate rise will wipe out bond fund performance. My answer reads something like this.
Aegon launches the Retireometer
Aegon has launched the Retireometer a simple and fun digital tool that lets you know if youre on track for a comfortable retirement in just a few seconds. As well as an international version, it's also available in 10 languages.
Aegon: Securing the right income in retirement will take real thought
Earlier this year the then pensions minister Steve Webb famously said that it would be up to each individual to decide if they wanted to use the new pension freedoms to cash in their pension savings and buy a Lamborghini.
Scottish Widows: Pension Freedoms Month 2
Interest in Pension Freedoms remains unabated in the press with many stories appearing about who is doing what however there is little concrete evidence as to what is actually happening.
Royal London: How people are spending their pension fund
Jamie Clark tells you about Royal Londons experience so far and enlightens us to what clients are spending their pension pots on
Prudential: Advice opportunity - Managing clients nominations
Pensions Freedom has put pension planning in the spotlight - removing many of the constraints that used to exist for taking pension benefits - and it has liberated the ability to pass on benefits on death.
Former Skandia CEO Peter Mann to host Events-Hub Retirement Special
The UK pensions system has changed radically in recent months and the thinking of everybody involved in retirement planning needs to do likewise. Opportunities and pitfalls abound for savers, advisers and product providers alike not least with regard to the thorny issue of how best to approach the decumulation process of converting pension savings into retirement income.
Scottish Widows: Retirement savings: encouraging trends
The first 18 months of automatic enrolment could hardly have gone better for the Government. Most employers met their obligations on time, and opt-out rates for employees were in single figures, which was far lower than expected. But simply getting people into pension arrangements must be seen as a start, and not as an end in itself. The benchmark for the tenth Scottish Widows Retirement Report is 12% of earnings saved from age 30 to state pension age for those not expecting their main income to come from a defined benefits (DB) scheme. This will not provide a luxurious retirement, but should give an acceptable living standard. For average earners it is almost twice the automatic enrolment minimum, but includes employer contributions and non-pension savings designated for retirement.
FundsNetwork reveals details of 2015 investment forums
Five events being held nationwide with six leading fund managers at each Investment Forum FundsNetworks Paul Kennedy to review hot topics in the pension and retirement sphere Seminars provide 3 and a half hours of IFP CPD accreditation