Retirement income is a behavioural problem dressed up as a financial one. In a new white paper with Dan Haylett of Humans vs Retirement, explore the five fears clients never put on a fact-find, why guaranteed income doubles spending, and how to build plans clients will actually follow.
Why can spending feel difficult in retirement?
This paper explores:
- The hidden fears that drive spending decisions
- Why retirees often underspend
- How behavioural biases affect retirement outcomes
- Practical planning approaches that help clients spend with confidence
- The role of guaranteed income, drawdown and smoothed investments within retirement income planning
Adviser Intelligence Tool
Search Panacea’s library of insight, technical commentary and adviser resources to quickly find guidance on client and regulatory questions.