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Kirsty Anderson: "Remember market crashes can and do happen, and investment returns almost certainly won't mirror those that have been modelled. Stress testing is one of the most effective ways of helping the client understand this."
Stress testing is a crucial element of a centralised retirement proposition, writes Kirsty Anderson. Here she outlines the key areas to test and questions to ask clients...
In a defined contribution (DC) pension, we all know that the risk ultimately sits with the client. But the responsibility of clearly demonstrating the associated risks and ensuring clients understand them...
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