The Value for Money Framework… what will it mean for trustees and, ultimately, member outcomes

by AdminKrzysztof | Oct 7, 2024 | Individualised

The FCA has just published the template showing the data it wants schemes to publish as part of the overall Value For Money framework. One hundred and ninety rows relate to investment performance alone, and the template specifies 1147 values in total. One thing is for...

Part 3: Use a fixed-term annuity and convert it to a whole-of-life annuity later

by AdminKrzysztof | May 10, 2024 | Individualised

In this final part of our trilogy on the use and applications of fixed-term annuities in retirement income strategies. We look at three strategies that use fixed-term annuities and show how this affects the income paid to the client and the flexibility/legacy they...

Part 2: Using fixed-term annuities in retirement income portfolios

by AdminKrzysztof | May 3, 2024 | Individualised

Once we recognise the practicality of a fixed-term annuity as a superior form of fixed-income exposure for retirement income portfolios compared to a bond fund, it becomes clear and straightforward how to integrate them into a client’s portfolio in place of...

Part 1: Using fixed-term annuities in retirement income portfolios

by AdminKrzysztof | Apr 5, 2024 | Individualised

Fixed term annuities should be a core part of retirement income portfolios replacing bonds. They offer a liability matching cash-flow, mitigate sequencing risk and eliminate almost all of the risks when converting to an annuity. Bonds play a crucial role in...

Stochastic analysis is more complicated, but worth it…

by AdminKrzysztof | Mar 28, 2024 | Individualised

Stochastic analysis, a sophisticated mathematical approach that models financial scenarios with inherent uncertainty and randomness, plays a crucial role in the dynamic personalisation of retirement income strategies.  While its complexity might initially seem...