Potential solutions abound, including cash buckets, annuities, smoothed funds, guaranteed income products and risk assets Accumulating assets is the easy bit. Well, to put it more realistically, it is the easy bit compared to managing the decumulation phase. Like a lot of things in the investment management sector the comparison is relative, says David Ogden, head of compliance for Sparrows Capital.
It would be glib to contend that accumulating a pot of assets to see one through retirement is simple. There are all sorts of life events and market circumstances that can intervene. But the principles really are straightforward. […]
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