A portfolio solution for your at-retirement clients?

UK interest rates may have been at rock bottom for more than three years now but it seems savers are only just waking up to the fact that risk-free income is likely to remain a scarce resource for some considerable time. Do not ask me how long but I suspect we are looking at years rather than months. Mind you, describing cash deposits as ‘risk free’ would appear to be something of a misnomer in the current economic climate, with real returns having been negative since the base rate was cut to 0.5% in March 2009. Naturally, this is a real dilemma for those who have relied on bank and b...