A multi-asset approach to retirement income

The UK's retirement landscape has been fundamentally reshaped in recent years - most obviously through the removal of the obligation to buy an annuity and the consequent increase in the array of choices (and decisions) now facing people on how to make the best use of their pension savings. Annuities may still have a place in retirement portfolios but they do have some important limitations. For one thing, the income available has dropped significantly on the back of the lower interest rates that have become the norm in recent years. Recent restrictions to the lifetime allowance have only...