Supporting better solutions for people in decumulation
Clients requiring regular income in retirement present a specific set of challenges. We partner with investment solution providers to analyse funds specifically suited to these challenges.
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Clients withdrawing a regular sum each month from their investments introduce an additional sequencing risk to their portfolio. How do you best manage that? That was the challenge we wanted to meet, to give advisers and their clients a suitable solution.
With our Risk Managed Decumulation service, we partner with you on funds designed to mitigate sequence of returns risk and drive better outcomes for people in retirement.
Our approach also enables advisers to compare decumulation solutions with their peers on a like-for-like basis.
Our research, your solutions
- Dedicated asset risk model to manage sequencing risk
- Strategic asset allocations aligned to risk profiles
- Focus on monthly value at risk to smooth out volatility
- Fair comparison of fund charges with similar solutions
The FCA’s Thematic Review of Retirement Income Advice shines a spotlight on outcomes for people in decumulation. Our response was to build a new asset risk model to manage the additional risk faced by this target market.
Instead of focusing on a fund’s annual volatility, it adopts a different strategy and controls the Value at Risk and size of monthly losses. In that way volatility is smoothed and a client’s capital is likely to last longer. A good outcome in today’s world. Of course managing that process is higher touch, but in our software advisers are enabled to fairly compare different decumulation solutions like-for-like in terms of factors like charges.
Investment Risk Profiling
Investment Risk Targeting
Single Strategy Mapped
Research & DFM / MPS Reporting
