Posts tagged as retirement planning

01 Jul 2008

Drawing down from capital: the ‘managed outcomes’ the investment industry should, but cannot, deliver

Retirees want to know how much they can draw from their capital to meet their lifetime spending, confident they will not spend too little or run out of money. Trustees need to know how much investment income to target so as to balance equitably the needs of income and capital beneficiaries. Divorcees want to know how much spending a clean break settlement will safely sustain. Philanthropic families want to know how much they can safely give away without risk to their own lifetime well-being, which means their own needs have to be planned first.

read more Insights by Stuart Fowler
09 Jun 2008

Making pension planning safer

In a FTfm article in the ‘Talking Head’ series of May 19 three authors of a paper presented to a recent World Bank conference in Washington DC likened the current state of defined contribution pension planning to the early stages of airplane design, when poorly understood technology led to crashes. They contrasted it with the present state of planning plane journeys, when safe outcomes are largely assured by the underlying engineering and the focus is on choices the travellers themselves make that best suit their preferences.

read more Commentary by Stuart Fowler
28 Apr 2007

Fidelity’s new retirement solutions: why semi-customisation of large asset pools does not work

Fidelity are launching in the IFA community a new solution combining the accumulation of funds for retirement spending and regular drawdown from a fund after retirement. The offering recognises some key principles of retirement planning:how long we live means there is uncertainty about how long the fund will live if we deplete it at the ‘wrong’ rate; retirement dates are nowadays fuzzy rather than precise planning horizons; the assets funding retirement spending plans are not necessarily all held in a vehicle called ‘pension plan’.

read more Commentary by Stuart Fowler
25 Mar 2007

Competing with the national pensions saving scheme

The Association of British Insurers want the cap on annual contributions to the new ‘Personal Accounts’ to be lowered from the £5,000 limit proposed by the Government to £3,000, to prevent competition in the mainstream market for pensions – where their members operate. This was in a new paper (19th March). They want the scheme to plug the gaps in pension provision but not to poach existing provision.

read more Commentary by Stuart Fowler
03 Aug 2005

The lifetime challenge of funding your own retirement

It is changes in society and government policy rather than economics or financial asset performance that make lifetime financial planning different for today’s generation of young people. For those with expectations of near-average lifetime earnings, the challenges are not necessarily so different. But for young people with higher expectations, the changes are pretty dramatic. Almost regardless of how entrepreneurial are their expected income sources, they are likely to have to plan their earnings and retirement income as if they were running a business.

read more Commentary by Stuart Fowler
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