CPD  

The importance of multi-asset investing for pension planning

  • To understand various multi-asset strategies in decumulation
  • To be able to explain different investment approaches
  • To be able to assess how to construct tailored multi-asset portfolios for pensions
CPD
Approx.60min
The importance of multi-asset investing for pension planning
Image: Kaboompics via Pexels Image: Kaboompics via Pexels

Introduction

Pension planning has always necessitated good advice and a long-term approach to investing and managing money.

But over the past couple of decades, multiple changes have forced advisers to think differently about how their clients’ various needs might be best met in retirement. 

Data sets show we are living longer, and in better health, well into our 80s – far beyond the Biblical threescore and 10; we are often working longer into what would have once been normal retirement age, at 60, and we have been given new freedoms in how we access our pension pots from age 55. 

All these factors, together with a better understanding of the world around us, the ever-present threat of ‘unprecedented events’ and more information available at our fingertips, have necessitated a more nuanced approach to accumulation and decumulation strategies. 

No longer do people simply take their defined benefit pension, convert it to an annuity (with the same provider) and live off the income. No longer do investment managers simply switch people over from equity assets to fixed income and cash at age 60.

Moreover, clients are demanding both an increased diversification of assets and an increasing focus on responsible investing, and this is where a multi-asset approach to investment strategies can come into play.

As the choice of funds available to consumers has never been greater, advisers will play a vital role in helping clients understand different multi-asset approaches and strategies.

This special report explores the various facets of managing pension pots, what it means to have a truly multi-asset approach, and how a multi-asset strategy can help clients secure a more financially comfortable retirement.

This special report qualifies for approximately 60 minutes’ worth of CPD.

Simoney Kyriakou is editor of Financial Adviser

In this guide

CPD
Approx.60min

Please answer the six multiple choice questions below in order to bank your CPD. Multiple attempts are available until all questions are correctly answered.

  1. According to Mr Coop, what can investors not defy?

  2. What does Mr Craig say is fraught with risk?

  3. Mr Klempster says there is a generation which has "chronically" what?

  4. Which of these is NOT a way in which Mr Balkham compartmentalises pension saving?

  5. Mr Satchell says multi-asset funds should be explicit about what they are trying to achieve by doing what?

  6. What does Mr Buckhurst 'worry relentlessly' about?

Nearly There…

You have successfully answered all the questions correctly, well done!

You should now know…

  • To understand various multi-asset strategies in decumulation
  • To be able to explain different investment approaches
  • To be able to assess how to construct tailored multi-asset portfolios for pensions

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