Ask the Experts: fitting unit-linked guarantees in your retirement strategy

clock

Question: Where do unit-linked guarantees fit in as part of a retirement strategy?

Answer - Colin Bell, European variable annuity product director, Aegon With the long-established trend by employers away from defined benefit pensions, initially for new entrants but more recently also for future accrual, and State-funded pension under pressure, individuals are increasingly being faced with less dependable future income in retirement. Furthermore, the typical alternative of the defined contribution scheme transfers all the risks associated with eventual retirement income from the employer to the individual. The question is whether individual savers would be comfortabl...

To continue reading this article...

Join Professional Adviser for free

  • Unlimited access to real-time news, industry insights and market intelligence
  • Stay ahead of the curve with spotlights on emerging trends and technologies
  • Receive breaking news stories straight to your inbox in the daily newsletters
  • Make smart business decisions with the latest developments in regulation, investing retirement and protection
  • Members-only access to the editor’s weekly Friday commentary
  • Be the first to hear about our events and awards programmes

Join

 

Already a Professional Adviser member?

Login

More on uncategorised

Building Society-owned Newcastle Financial Advisers acquires Openwork firm

First of a number of acquisitions

Hannah Godfrey
clock 09 December 2019 • 1 min read

Bond managers fear hedges being undermined as liquidity dries up

The recent sell off in the bond market and growing liquidity issues have forced bond investors to use similar hedging techniques, undermining their effectiveness and causing concerns about how much downside protection funds really have.

Anna Fedorova
clock 03 July 2013 •

Police launch investigation into mortgage middleman fined £1m

West Midlands Police have launched a fraud investigation into a Birmingham financier over his role in sale and rent back agreements.

clock 25 June 2013 •