Research articles

Fidelity International continues to undertake a significant amount of research on the subject of retirement and has recently published its latest in a series of retirement white papers.

Retirement income: Making the right choices

With retirement increasingly lasting 20 to 30 years, people need to consider the corrosive effect of inflation on the purchasing power of their income. This paper addresses the pattern of expenditure in retirement: is expenditure constant throughout retirement or do we need more in the early years of retirement? Next it looks at the value of increasing annuities compared with level annuities. Finally, it introduces a template that attempts to demonstrate how different categories of expenditure could be aligned with different types of annuity to produce the optimal result.

Read the paper in full

Can’t save, won’t save: Workers face up to 50% income drop

This is the third year that Fidelity has carried out a study on Britain’s retirement prospects. Through a mix of proprietary research and quantitative modelling, we have created a snapshot of how well prepared the UK is for retirement and can track this against the results in the previous two years.

As in previous years, the results continue to cause concern. The typical household will face a significant drop in income at retirement to a level that is well below people’s expectations of what they believe they need to enjoy a comfortable retirement. The paper also explores the extent to which expenditure increases or decreases during retirement and, therefore, the practical implications of surviving on a radically reduced income.

Read the paper in full

Retirement White Papers Archive

Corporate Commitment to Pension Provision

The role of advice in retirement planning

The nature of financial risk in retirement: Are guarantees the answer?

DB Lite: revitalising defined benefit pensions

Improving Britain's Retirement Prospects 2007

Income Planning at Retirement

Corporate Commitment to Pension Provision

Improving Britain’s Retirement Income

At Fidelity we are committed to providing our clients with useful articles covering the pensions industry. Please see below a sample: