On 3 September, Baillie Gifford Retirement Specialist Jon Stewart shared insights on how the meaning of retirement is evolving in today’s world. As people live longer and technology reshapes later life, the conversation explored both the opportunities and the challenges of this new chapter — where personal pension pots must now take on the role once played by traditional final-salary schemes.
During this digital event we discussed, how to construct an investment approach that balances immediate income needs with resilient income growth over the longer term, how helping clients spend confidently today, while keeping pace with tomorrow's costs.
The session covered:
- Understand what the three key risks in drawdown are — longevity, sequencing and inflation—and why they demand a different investment mindset in retirement.
- Explains why it is better to focus on long-term income growth, as opposed to short-term yield.
- Identifies the role of various asset classes in delivering preservation of capital alongside monthly distributions that keep pace with inflation.
