For professional advisers only

Investing for life in retirement

Helping you achieve more for your clients and your business.

Older man relaxing in a chair listening to music through earphones
Older man relaxing in a chair listening to music through earphones
£650bn
of flow moving into retirement over the next decade*
1 in 5
will be aged 65+ by 2030**
 
 
Over the next decade, the rate that clients will seek retirement advice is expected to grow exponentially. Planning for life in retirement presents a number of risks which need to be mitigated in order to maximise your client's income in retirement.
This is where Investec can help.

Managing the risks of volatile returns is key when planning retirement income

Sequencing risk

Exposure to market losses in the early years of retirement can impact how long your pension lasts.

Withdrawal rate risk

Consumers may exhaust their assets too quickly, advisers need to ensure clients maintain a realistic spending pattern through market cycles.

Longevity risk

An investment term of 20 years or more needs to be planned for as more and more retirees live longer.

Inflation risk

The investment strategy needs to hedge the fall in the purchasing power as the price of goods and services rise over time.

Market risk

Markets are inherently volatile and can expose investors to the possibility of loss in the short term.

Behavioural risk

Some investors have a habit of undertaking the wrong action at the wrong time. Advisers need to maintain their clients’ long term asset allocation through market cycles.

Our approach

At Investec we believe bucketing helps to mitigate against client’s emotional responses to the various investment risks we’ve highlighted. This typically involves:

  • Cash for a client’s immediate income needs
  • A short-term portfolio of low-risk investments
  • A diversified portfolio of higher-risk investments that can be left to grow on a long-term basis.

Through the thoughtful design and implementation of an investment strategy that can cater to client income needs and risk profiles, both our Discretionary Fund Management Service and MPS on Platforms service can help advice firms achieve their client goals through a Centralised Retirement Proposition (CRP). This enables them to plan for the life they wish to have in retirement.

 

Benefits of using our investment services to build a CRP

Common and consistent approach for all clients in a defined client segment.

Allows you to leverage Investec’s investment research and due diligence process to address regulatory risks.

Actively managed and monitored portfolios that seek to take advantage of market opportunities.

Get in touch

Request a call from your local business development director to find out how you can offer your clients a long-term income from their investments, with a Centralised Retirement Proposition.

We'd like to keep you up-to-date with relevant news, events and information from our team. For further details on how we use personal data, please take a look at our Data Protection Notice.
 

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If you would like to download our latest report ‘Coming back to the table on CRPs', please click below.

Download Coming back to the table on CRPs Whitepaper

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Coming back to the table on CRPs

Investec and AKG's latest report delves into the world of retirement planning and takes a temperature check on the understanding, development and use of Cnetralised Retirment Porpositons (CRPs) within intermediary firms across UK. We spoke to over 200 UK Advisers to take a closer look at the challenges and requirements of servicing client’s at- and in-retirement from an investment perspective, as well as ascertaining what stage intermediary firms are at with recognising retirement planning challenges for their clients and developing the requisite solutions to service them, now and in future.

An image of the front of Investec's CRP report
Simon Taylor
Simon Taylor, Head of Strategic Partnerships & Platforms at Investec Wealth & Investment.

We act as a partner with Advisers when it comes to outsourcing their CRP to discretionary wealth managers. With resources including over 300 investment managers operating out of 14 offices throughout the UK, we are focused on working with you to help you put in place investment solutions that meet clients’ income and other needs in retirement.

Your hard-earned reputation will be in safe hands

When you partner with Investec you’ll be working with one of the UK’s most reputable banks and wealth management companies. The five-star quality of our services has consistently been recognised by Defaqto and we are delighted to have been awarded Best Discretionary Fund Manager at both the 2021 and 2022 Investment Life & Pensions Moneyfacts awards.

DFM Bespoke 5 stars

Defaqto

Five-star rating for our Bespoke DFM service

2013 – 2022

DFM MPS on Platform 5 stars

Defaqto

Five-star rating for our MPS on Platforms service

2020 - 2022

Gold rating for our DFM service

Defaqto

Gold rating for our DFM service

2022

Moneyfacts Awards logo 2022

Moneyfacts Awards

Best Discretionary Fund Manager

2021 and 2022

3D Award for our commitment to transparency, engagement and integrity

Asset Risk Consultants (ARC)

3D Award for our commitment to transparency, engagement and integrity

2022

Sources: *Broadridge Navigator, UK DC and Retirement Income 2020. **ONS. (2017b). National population projections: 2016 - based - Office for National Statistics. Retrieved January 31, 2019, from: https://www.ons.gov.uk/releases/nationalpopulationprojections2016basedstatisticalbulletin