Viewpoint

When it comes to retirement income in an uncertain market, one way to get a little certainty is with a guarantee option.

It's a truism that the time to invest is when a market is low or a sector undervalued, but those same conditions tend to worry most individual investors (and not a few professionals) - who are more likely to keep their capital in cash and out of the markets...

One of the most consistent criticisms of financial services companies has been over the practice of tempting new clients with advantageous terms and products that are never offered to existing customers.

Getting the most out of pensions 'Third way' products offer a great deal of flexibility, sitting in between old-style annuities and drawdown options. They provide innovative solutions for those planning their income in retirement, enabling clients...