With The Retirement Account you can:
- mix and match investment solutions at no extra charge and easily integrate guaranteed income
- reinvest guaranteed income within a tax-advantaged wrapper
- choose different investment strategies for accumulation and decumulation
And all within the same low-cost, flexible wrapper.
The Retirement Account overview
The Retirement account applies a simple tiered charging structure across all investments, and flexible adviser fees including initial, ongoing and ad-hoc options. The cash account allows you to manage any adviser charge or fees agreed with your clients. Ongoing adviser fees can now be charged as a fixed monetary amount or as a percentage of the advised funds.
Consolidation allows clients to house their pensions conveniently under one roof, save on costs, and ensure their investments remain appropriate to their personal circumstances. Find out why The Retirement Account can be an ideal pension consolidation vehicle for your clients.
Pension savings and drawdown
The Retirement Account allows clients to accumulate funds whilst still working and decumulate their savings with flexibility. There’s a choice of multi-asset funds which invest in a mix of shares, bonds, cash, property and other financial investments providing exposure across the main asset classes.
When clients move into retirement, the Account allows them to combine a cash account with both drawdown and guaranteed income options. That means you can cater to those looking for both certainty and flexibility in income, while still delivering tax-efficiency and the potential for growth.