Chapter Progress:
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Introduction & Key Terms
Accumulating pension savings
Factors affecting pension planning needs
Pension Projections
Capital Requirements
Income requirements
Review
Pension fund investments during accumulation
Attitude to risk
Risk categories
Ethical considerations
Asset Allocation
Lifestyle vs Target Date funds
Self-Investment
Loans to sponsoring employers
Borrowing by a scheme
Interpreting client information and objectives in the decumulation phase
Fact Finding
Longevity
Attitude to risk and capacity for loss
Cash Flow Modelling and Stress Testing
Determining the method and timing of accessing pension benefits
Benefits and drawbacks of Scheme Pensions
Benefits and drawbacks of Lifetime Annuities
Benefits and drawbacks of UFPLS
Benefits and drawbacks of Capped Drawdown
Benefits and drawbacks of Flexi-Access Drawdown
Tax planning
Money Purchase Annual Allowance (MPAA)
Income Tax and Capital Gains Tax
Importance of nominating a beneficiary
Alternative sources of retirement income
ISAs
Residential Property
Equity Release
Personal business investment
Tests
Return to
Solo 8 (RO4) course
Benefits and drawbacks of Capped Drawdown
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