Henry Cobbe: Decumulation - the new investment conundrum

‘Volatility becomes your enemy’

clock • 4 min read

For many years, the savings industry has been solely concerned with accumulation but, writes Henry Cobbe, there is now also a real need to develop thinking on how to tackle the decumulation issue for savers

Two riveting holiday must-reads both happen to have been published in the last few weeks. The first is Damaged Goods, the story of Philip Green, Dominic Chappell et al on the plight of the BHS pensioners following the funding problems in their defined benefit (DB) pension scheme. The second is the Retirement Outcome Review published by the FCA, which is concerned with making sure customers are obtaining value from the pensions industry in the wake of the pensions freedom legislation introduced by George Osborne. I will leave you to decide which is the more exciting of the two. Still, ...

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