What advisers need to know about cradle-to-grave investment structure

For many individuals, the hardest part of their wealth journey is not the saving to invest. Many are comfortable with the mechanics of investing for growth (accumulation) over the long term, often achieved through diversified equity exposure, perhaps through open-ended funds via a platform. Investor anxiety, however, can often be found in the transition from accumulation to decumulation: how best to convert a pot of capital into a preservable, reliable income? And how to do so with some confidence that the income will be sufficient to last. Investors need to know which investment vehi...