Do clients already own the best retirement portfolio?

There has been no shortage of products aimed at an ageing population since pension freedoms gave savers more flexible access to their pots, and with it the risk of drawing down their money too quickly. As well as protecting against sequencing risk, retirement pots now also need to stretch further than they did for previous generations. Investment and retirement providers have responded with a myriad of different products – all in our view are arguably doing much the same thing.  Examples include ‘blended' solutions that combine a guaranteed, annuity-like element with flexible drawd...