Early planning key to alternative investments

Professional Adviser
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For retirees wishing to supplement their annuity income by investing in share, property or fixed-interest products, forward planning is essential as this will ensure a big enough lump sum to give the required flexibility

For many people in retirement an annuity is far from their only source of income. While a traditional annuity will provide a guaranteed level of income at the core of an income portfolio, flexible and supplementary income and capital growth may well be available via other investments such as property, equities, fixed interest or structured products. These extra sources could be of particular relevance to a married couple where, if the annuitant dies, the remaining spouse will see the annuity income fall and will need to supplement that with other investments. Not everyone will have ...

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