A changed landscape

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Planning retirement income is no longer just a case of choosing a product. Athole Smith discusses the importance of taking a holistic view

Is retirement income just a modern name for the traditional pension or is it something more significant? In what some would refer to as the good old days, people simply had a pension. That’s what they saved into and that’s what they lived on when they retired. Generally the contributions came from their employer and they didn’t need to give it a second thought. Importantly, when it came to retiring there was a pot of money to live on that paid out monthly. Any mention of retirement income was likely to be met with a blank stare. Life, it might be said, was simpler then. And as for advice...

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