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SPONSORED ARTICLES


WHY TALKING ABOUT THE MENOPAUSE IS A MUST – EVEN IF IT FEELS UNCOMFORTABLE


Clare Moffat, head of the Intermediary Development & Technical Team at Royal London, on the impact of menopause on pension savings


Women face several challenges which limit their ability to save for retirement, and ultimately contribute to the gender pension gap. These include an unequal distribution of caring


responsibilities, the eligibility criteria for automatic enrolment, which disadvantages those (mainly women) in part-time work, and the menopause.


Despite this being a life event that almost all women will encounter, it is a factor vastly unregistered when discussing women’s retirement savings.


Analysis by Royal London demonstrates the dramatic impact the menopause can have on women’s pension savings. Our example was based on a pension fund of £100k at age 50, earning £40k with 2.5% wage growth until state pension age of 67, 5% investment growth (not including charges), monthly contributions of 10% and a 50% reduction in working hours/pay.


We found that a 50-year-old woman in full- time work until the state pension age of 67 could be better off by over £126k in pension savings, compared with a counterpart who stopped working at the same age.


Women reducing their working hours at age 50 could lose out on £63k in their pension pot. Being able to save during this stage of life is critical to achieve healthy retirement savings.


We need to help employers help employees so that they don’t have to reduce their hours or stop work and can have open and honest conversations about how they feel. And we need to help female clients by asking the right questions and showing the difference it could have on their retirement. The menopause isn’t going away – we just need to get better at talking about it.


RISK AND OPPORTUNITIES IN 2023


M&G Investments’ chief investment officers (CIOs) consider the key issues that could shape financial markets in 2023


Fabiana Fedeli, CIO Equities, Multi Asset and Sustainability With inflation, rising interest rates, and the threat of recession likely to be front of investors’ minds, this is not a market for ‘broad strokes’ investing. There could be opportunities for active investors to harvest alpha but selectivity will be key. Longer term themes such as renewables and infrastructure remain appealing, irrespective of the near-term economic situation. I also believe sustainable investing will become mainstream in the coming years, as a key solution to the world’s social and environmental challenges.


Jim Leaviss, CIO Public Fixed Income After a tough year, I believe bond markets


CISI.ORG/REVIEW


look interesting currently. Inflation is likely to ease in the coming months, and central banks may slow the pace of their interest rate hikes. In particular, I see value among corporate bonds, where the market is pricing in a high level of defaults, and emerging market debt, although it is important to be selective.


Will Nicoll, CIO Private and Alternative Assets Private markets are a broad and versatile collection of asset classes, and some parts are well placed to weather any challenging conditions. There could be interesting value opportunities for selective investors, while supportive tailwinds such as increased interest in sustainable and impact investing could help the asset class continue to grow.


To read the full note and watch the video, visit bit.ly/2023investment


The value of the fund’s assets will go


down as well as up. This will cause the value of your investment to fall as well as rise and you may get back less than you originally invested.


The views expressed here should not be taken as a recommendation, advice, or forecast.


13


CISI FINANCIAL PLANNING CORPORATE SUPPORTERS MAR 2023


Gold


Royal London adviser.royallondon.com Silver


Betafolio www.betafolio.co.uk


TIME Investments www.time-investments.com Corporate


AIC www.theaic.co.uk


Canada Life www.canadalife.co.uk


Cascade www.cascade.co.uk


Dimensional Fund Advisors www.dfauk.com


Independent Health Care Solutions www.ihcs.co.uk


Jupiter Asset Management www.jupiteram.com


Just Adviser www.justadviser.com


M&G Investments www.mandg.co.uk


M&G Wealth www.mandg.com/wealth


Octopus Investments www.octopusinvestments.com


Prudential www.pru.co.uk


Tenet www.tenet.co.uk


Transact www.transact-online.co.uk


Vanguard www.vanguard.co.uk


Affiliate


HANetf www.hanetf.com


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