The impact of the extended GAD tables »
From the date that the changes to the capped drawdown GAD
tables where announced in January it was unclear at what point they
would need to be used from which caused a lot of confusion. A few
days after the announcement that rates were to change, it was
announced that these should be used from the 6th April.
This raised even more questions given the GAD rates change on the
1st of the month so could cause some unfairness.
Dividend v salary v pension revisited »
In this third and concluding article in the series we look at
more examples in the dividend v salary debate and then two final
examples, involving a lump sum, which includes a pension.
Are you thinking about all of the risks? »
One of the first discussions many planners have with new clients
will be one that focuses on their views about risk. In many cases,
this discussion is based on investment risk i.e. a risk versus
return discussion in which you, as a planner, look to understand
what tolerance your client has for the amount by which their
portfolio value can vary over time.