The problem for many pensioners is their income is linked to the stockmarket
Distinction between benchmark-driven and outcomes-based investing is vitally important
'BPR investments are fantastic but generally in small doses'
It is more important to produce an absolute return than beat a benchmark
Pension freedom began in April 2015
New Bill essential to ensure the success of auto-enrolment
Current levels only look acceptable in times of high returns
Joint GIA or not joint GIA, that is the question
Onus is on advisers to structure deal effectively