A Ray of Light

downwards where a product is unlikely to achieve returns in line with these rates. You must also ensure that the same rates are used to explain the charges" So at last providers need to start telling the customer the truth about potential outcomes from different investments / asset classes in projections, rather than using ‘inflexible systems' or ‘this is just a guide' as a way of misleading customers. Obviously the projections will still be projections and not a guarantee of future benefits - but projecting all asset classes at 5% / 7% / 9% in the current environment, I ask you. So p...