Danby Bloch

Danby Bloch: Centralised retirement propositions do not mean uniformity of outcomes

Adviser firms should have a consistent and planned approach to retirement planning but risks and client outcomes will vary. One of the more intelligent remarks during an adviser roundtable I hosted recently for Platforum – on the subject of decumulation in retirement – was the following: “I encourage many of my clients to turn left […]

Phil Wickenden

Phil Wickenden: Advisers should meet both emotional and financial objectives

Sometimes emotions drive client decisions so advisers need solutions that satisfy emotional and financial objectives. As humans, we have very elaborate neural systems to address threats. In particular, the emotional circuitry that kicks in to protect us from perceived threats – the ‘fight-or-flight’ response. But there is a very important distinction between threats in the modern world versus […]


Sipp market tipped to see £2bn growth each year

The Self-Invested Personal Pension market has grown 55 per cent since 2016 and is now worth £2.4bn, according to a report published today. A study by analytics firm GlobalData cites figures from the Association of British Insurers to explore how the market has grown. It finds customers are using Sipps to consolidate their pensions, with […]

Create national retirement income targets to help savers, trade body says

National retirement income targets should be developed by the government and pension providers to help millions of people save adequately for retirement, an influential trade body says. A report published today by the Pensions and Lifetime Savings Association finds 80 per cent of people are not confident they are saving enough for retirement, which equates […]

Trade body wants investment to be ‘front and centre’ for DC schemes

The Investment Association has called for greater collaboration between investment managers and pension schemes, saying the investment process must be ‘front and centre’ for defined contribution pensions. In a report released today, the IA is also calling for greater transparency of investment costs allowing savers to better assess value for money in DC investment. IA […]


Govt rejects default pathways for decumulation

The government has rejected a recommendation to introduce default decumulation pathways saying it would be inconsistent with pension freedoms. In April the work and pensions select committee published a report on pension freedoms where it proposed ways outcomes for savers could be improved. Among the recommendations, the committee said every drawdown provider should offer customers a […]