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Blog and press cuttings

I write extensively about retirement income matters and am often quoted in the national press and sometimes appear on the radio or TV.

In addition to my blogs, you might me interetsed in my comments and aticles in the national and trade press.

We are a few weeks into the election campaign and the outcome is far from certain. The campaign will be the biggest talking point between now and December 12th, so I wanted to offer some thoughts on our approach to investments in these uncertain times.

While these are uncharted waters, political uncertainty is nothing new. On this occasion, as in the past, people will jump over themselves to tell you the “right way”. Whether we are judging the merits of the parties or working through our investment positioning, we must favour research over reaction and urge all our clients to do the same.

A balanced view of annuities and drawdown What is this all about? – Explaining the difference between annuities and drawdown. Why is it important? – converting your pension pot into cash and income is important and you should analysis all the options, not just the one you like at first sight. What is the point? – A financial adviser will give you a balanced view but if you ...

Many people think they don’t need advice and end up making their own decisions without my help.

Why should I worry about this? After all grown-ups have the freedom to make their own financial decisions and make their own mistakes.

I worry because many people may be sleep walking into a danger zone where they may suffer a financial shock which will leave them seriously short of money in retirement.

A scandal or a cock up? This is the question I ask myself when I hear about Prudential’s £23 million fine for failures relating to non-advised annuities sales. This follows Standard Life’s £ 30 million fine in July 2019. As with most high profile public cases, there is a bit of both. First, I declare an interest as I have formally and informally helped both companies in the pas ...

I recently read a good article about non-advised annuity commissions and I think it is helpful to investigate the issue of non-advised versus advised annuities. I have been on both sides of the fence I start by saying that I have seen both sides of the fence and both advised and non-advised annuity services should result in the client getting the highest possible annuity income ...

Blow for pensioners as bond market rally hits annuities This was the headline for a story in the Financial Times – see - Blow for pensioners as bond market rally hits annuities These are the notes I provided for the FT Annuities are very expensive Annuities are very expensive at the moment which is another way of saying the rates are very low. The reason is simple; gilt and b ...

Drawdown – sounds simple but it’s complicated Drawdown is easy to understand – you simply invest your pension pot in suitable investments and then you take income payments when you need them. The income can be regular monthly / quarterly income payments or ad hoc payments or a combination of both. You have total flexibility and there are two things to watch out for; don’t pay t ...

Annuities; legalised theft or best way to convert capital into income? We have been involved with annuities since they first became a topic of conversation almost 30 years ago. It is probably true to say that before 1990 hardly anyone knew much about annuity but that all changed with the launch of specialist annuity brokers in the early 1990’s such as Annuity Direct which later ...

Annuity or Drawdown? – that is the question It doesn’t matter if you are looking to convert your pension pot into income, considering a DB transfer or running a drawdown plan, one the most questions in financial planning is whether to buy an annuity or invest in a drawdown plan. Before looking at this important question let’s be clear on the terminology. Annuities They are a ty ...

Advice fess - Value for money Talking fees with clients can be difficult. Some clients willing accept the fees whilst other clients challenge the proposed fees and want us to justify the fees for the advice we are giving. Therefore, I included a chapter on fees in my latest guide, Retirement Advice; art or science? I struggled at first to find a way of discussing fees, then I c ...

William Burrows

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This website is run by William Burrows and publishes generic information on annuities, drawdown and other related retirement income matters. Any information you use is at your own risk and does not constitute financial advice.

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