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Drawdown customers risk losing out from ‘mortality drag’, report warns

Advisers must explain how ‘mortality drag’ means funds in drawdown must produce increasingly higher returns to match an annuity, a report claims. The paper, written by Retirement Intelligence director Billy Burrows for Partnership, warns that the “invisible force” of mortality drag means drawdown becomes less attractive relative to an annuity as a customer ages. Mortality […]

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Industry calls for clarity on IMF asset manager stress tests

More clarity is needed on why asset managers should be subjected to bank-like stress tests as the industry is at risk of overregulation, say industry experts. The International Monetary Fund is the latest organisation to call for asset managers to be subject to stress tests, in a similar way to banks, in a bid to […]

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Claire Trott: Extra layers of protection

The lifetime allowance is a contentious subject; many like me feel it is unfair to test benefits as they are paid in and when they are paid out. You cannot and really should not try and limit the growth of your pension fund, so the lifetime allowance charge is unfair and is just an easy […]

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Martin Bamford: A better way of FSCS funding

“It’s all wrong”. This running joke at our office is based on a regularly occurring statement made by a former financial planner who would often exclaim everything was incorrect with a piece of work. When overreactions and blame are your speciality, it is easy to turn a drama into a crisis. But as I look […]

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