Blogs & News
How to fund a long-term retirement
With retirements that could span decades rather than years, Simon Morris, Head of Strategic Partners at Premier Asset Management, discusses an investment approach that retirees could consider when looking for a sustainable, long-term income stream to meet their needs. Providing a sustainable income One key issue for retirees is how they can obtain a decent, [...]
Case study: Helping a recruitment business understand its workforce and align employee benefits accordingly
Understanding workforces and translating this into a coherent employee benefits strategy is a big challenge for many businesses, but this is what Wren Sterling does through our demographic analysis and benefit recommendation process We help businesses, like a London-based recruitment consultancy, to solve: Weak employee engagement Declining years of service Rising recruitment costs The charts [...]
Will low savings account rates ever bounce back?
For years after the 2008 financial crisis we were all told that savings rates had dropped because the Bank of England base rate had dropped. Gone were the days of 4-5 per cent, while 0.25 became the new normal for easy access accounts. When the base rate was raised last year for the first time [...]
The Impact of Sequential Returns Risk on Retirement Income Planning
Why professional advice is essential for keeping clients on track in the face of sequential returns risk Assets fluctuate in value, it’s the nature of investing. But watching a new portfolio experience volatility can be painful for an investor who has prioritised retirement income planning. Long-term investors can choose to weather these ups and downs [...]
Ask the IFA: Should I transfer my final salary pension?
There really is no way of knowing whether you should transfer your final salary pension without gaining a deep understanding of your personal circumstances. We speak to plenty of people who say they want to transfer out of their final salary pension scheme regardless of our view, but there's logic to an adviser's recommendation. Our [...]
Ask the IFA: What are the advantages of a final salary pension transfer?
Wren Sterling is authorised to advise on a defined benefit or final salary pension transfer. We are often asked about the advantages of a transfer, especially as transfer values are historically high at the moment. Here are eight advantages of a final salary pension transfer - but it's important to stress that there may be [...]
Ask the IFA: What are the disadvantages of a final salary pension transfer?
The numbers might look attractive and there are stories in the press of people pocketing hundreds of thousands through a final salary pension transfer. There are lots of disadvantages of a final salary pension transfer though and here are seven reasons to take stock of the reality of leaving a defined benefit scheme. Reliance Your [...]