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SIAS Event: Talk on Pension Freedoms

Tuesday 4 December 2018 17:30 - 19:00

This talk will be given by Ian McKeever, and provides a different take on the problem of investment after retirement.

    High-level agenda:

    • For someone retiring today, dying earlier than expected is not a financial problem but dying later than expected is. They need an investment time horizon of 30 years plus.
    • As Winston Churchill once said, “The farther back you can look, the farther forward you are likely to see.” A look at the history of equity markets and equity dividends.
    • A strategy using equity dividends to provide a level income in retirement. How it would have fared in the past?
    • Inflation. For the working population, inflation is like a broken arm; painful at the time but eventually one recovers. For the retired, it is like a brain tumour, the damage is permanent, and any recovery is at best marginal. Inflation in the past and how much protection equity dividends provided.
    • Longevity risk. Annuities: poor investment; good longevity insurance.
    • Managing divestment in volatile markets. Resurrecting annuity shares.
    • Practical issues of portfolio construction for a retiree investing directly, diversification, future proofing, international investment and withholding tax.
    • Product design issues for the Financial Services Industry.
    17.30-18.00 Registration
    18.00-19.00 Programme
    19.00-19.30 Refreshments and networking
    19.30 Close of event




    Staple Inn Hall, High Holborn, London, WC1V 7QJ

    Nearest Public Transport

    Chancery Lane Station