Using collectives in retirement planning

One big issue that many face, or aspire to achieve, is a gradual phasing out of the work environment towards full-time retirement. This process could be over a very long period and to achieve this, a flexible approach to providing retirement income needs to be adopted. To assist in this transition there needs to be flexibility in the pension scheme itself which sits at the core of the retirement strategy. Other than this, to use a football analogy, you need to assemble the right squad who can work together. You need to create a pool of assets, held in various tax wrappers that can be used t...