decumulation

As annuities continue to fall in popularity, this year's Future Book suggests savers need more help choosing retirement income products. James Phillips explores the proposals.

Savers face a huge number of options at-retirement. Steve Goddard believes this 'dartboard of choice' should be take away and an additional layer of trustee governance is needed to protect members in the deculmulation phase

Advice and guidance is not enough

Professor David Blake gives his view on how the pensions system can be improved.

The Financial Conduct Authority (FCA) has written to pension and retirement income providers to request details about consumer access to - and charges on - decumulation products.

Modelling confirms collective schemes work better for members

The Budget changes have brought major changes to how people access their pension pots. Helen Morrissey examines research that finds major implications for pre-retirement investments too.

Drawdown products must be designed around member engagement as investment solutions "cannot be a panacea", according to RBS head of group pensions Carol Young.