Vantage Point: Investing for income  

Building the optimal retirement income portfolio

  • To discover how the landscape for retirement has changed
  • To understand how changes to the tax system impact retirement options
  • To discover how the changing regulatory environment impacts retirement options
CPD
Approx.30min

“When you reach retirement age, you can take an element of your pension tax-free so again this is a major advantage, particularly if you have seen growth over your pension portfolio in the previous years.”

Depending on the client’s circumstances, it is also worth considering the Inheritance Tax advantages of investing in a pension as pension assets fall outside of an estate on death.

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The direction the markets are travelling in - against the backdrop of the FCA thematic review into retirement income advice and the looming consumer duty - means that adviser-client conversations have become more focused around building an investment plan that helps to mitigate the increased cost of living (due to inflation) and increasing life expectancies.

Robson adds: “The importance of agreeing on a conservative, well-considered long-term plan and then maintaining the discipline of implementing it is key to being able to deal with bumps in the road in the future.”

Ima Jackson Obot is deputy features editor at FTAdviser 

CPD
Approx.30min

Please answer the six multiple choice questions below in order to bank your CPD. Multiple attempts are available until all questions are correctly answered.

  1. What does Robson say clients and advisers need to be especially cognisant of?

  2. What strategy does Grey believe is helpful to clients?

  3. What new risk is a client taking when selling assets from a GIA portfolio?

  4. On what type of product is Sandringham's Grey cautious right now?

  5. What does McInally believe is the appropraite thing to do if a client is taking a larger part of their pot as regular income?

  6. What does Fox believe investors should be careful of doing as they enter retirement?

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  • To discover how the landscape for retirement has changed
  • To understand how changes to the tax system impact retirement options
  • To discover how the changing regulatory environment impacts retirement options

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