Structuring your future

Choosing the right asset allocation for the decumulation phase of retirement planning is a complex area as it will depend on how income is to be provided for the client. Over the long term, equities tend to outperform other asset classes, but how is this applied in the retirement income context and how do a client's circumstances affect the choice? Capital-guaranteed structured products have been developed over the past fifteen years in order to preserve the value of investments in the face of market volatility. In an unstable market environment, a simplistic approach would be to maintain...