Retirement Risk Metrics
Using inertial and behavioural traits to boost pension contribution levels
Posted on 21-07-2009 by Phil Mowbray | 0 comments
In my previous blog I highlighted the positive impact that increased pensions contributions combined with the right investment strategy can have on potential levels of retirement income.
Whilst this is clearly fine in theory, the pensions industry clearly faces a challenge in getting scheme members to sign up to this sort of contribution arrangement. In particular, recent market turmoil…
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Can personal pensions produce meaningful retirement benefits?
Posted on 03-06-2009 by Phil Mowbray | 0 comments
Given that people saving into the proposed national Pension Accounts scheme may have a contribution level as low as 8%, it is worth looking at what level of retirement income this could potentially generate. Let’s consider the example of a 25 year old male, looking to retire at age 65. Our analysis suggests that if he invested 50% equities and 50% bonds, it would give a retirement income…
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