Approved Retirement Funds [ARFs], introduced by the Finance Act, 1999, were seen by many as freeing them from the ‘shackles’ of the annuity market. However, experience shows too many people […]
Why are savers taking investment risks in retirement?
20 years ago, 10-year government bond yields were 8%, 10 years ago it was 5.2% and now it sits at 1.35%. The sharp drop in income from government bonds has […]
What is a Bulk Purchase Annuity?
A Bulk Purchase Annuity [BPA] is a way of removing risks associated with an employer’s defined benefit pension scheme by transferring them to a policy, usually provided by an Insurer. This […]