Unsecured pensions seem far too much of a risky investment.......

Answers: Fiona Tait - Scottish Life It depends entirely on what the clients want to achieve. Unsecured pension are more risky than annuity products which are designed to provide a known level of guaranteed income*. It is worth remembering however that unsecured pension are simply personal pension plans and have the same investment options as any other personal pension plan. The difference is simply the need to provide an ongoing income. If the client has just taken PCLS and has little or no need of income for the foreseeable future their risk profile is not likely to be much dif...