Are hybrid products the future for retirement advisers?

Drawdown has tended to be the preserve of high net worth clients but since pension freedom, clients from the mass market have been taking advantage of the new opportunities available. Pension freedom has meant drawdown pension products are of more interest to mass market savers. These clients have different needs than those wealthier than themselves, one of which is security and a regular income. There is an increasing interest in marrying this with the sort of growth that one would traditionally see in a drawdown product. To accommodate this need, several providers recently made h...