Ask the Experts: fitting unit-linked guarantees in your 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...