Working Lunch:

Decumulation Decisions: Resilient Monthly Income for Retirees

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Retirement today can feel like opening a brand-new chapter. We are living longer and technology is making life in later years richer than ever. Yet that excitement sits alongside a very real challenge - a pension pot now has to shoulder the job a final-salary scheme once did.

In this session, we will outline how to construct an investment approach that balances immediate income needs with resilient income growth over the longer term, helping clients spend confidently today, while keeping pace with tomorrow’s costs.

Objectives

Understand the three key risks in drawdown — longevity, sequencing and inflation—and why they demand a different investment mindset in retirement.
Explain why it is better to focus on long-term income growth, as opposed to short-term yield.
Identify the role of various asset classes in delivering preservation of capital alongside monthly distributions that keep pace with inflation.

Presenters

Jen Frost

Professional Adviser – Editor

Jon Stewart

Investment Manager

Jon is an investment manager within the Income Research Team specialising in listed property securities, as well as a member of the Portfolio Construction Group for the Monthly Income Strategy. He joined Baillie Gifford in 2020 from Standard Life Aberdeen where he was part of the Real Estate Equities Team managing a number of UK, European and global real estate equity mandates. Prior to that, Jon spent four years as a sell-side analyst specialising in real estate equities, having begun his career on the UK Equity Team at Ignis Asset Management. Jon is a CFA Charterholder and graduated with an MPhys (Hons) in Physics and Photonics from the University of St Andrews in 2006.

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