<br />
oracle<br />
April 2011 Technical Insight for adviser use only<br />
<br />
Shining a light<br />
on retirement<br />
<br />
<br />
<br />
<br />
<br />
In this issue:<br />
> More choice for retirement planning –<br />
but what's right for your clients?<br />
> Making the most of the new<br />
pension allowance<br />
> Inheritance tax planning opportunities<br />
> AIFA research – why now is the right time<br />
to focus on the at retirement market<br />
> Drawdown – de-risking in the new world<br />
> Client support toolkit – to aid your<br />
client discussions!<br />
<br />
Beat the Budget – how to<br />
reduce your tax b by mak ng<br />
contr but on to your pens on<br />
<br />
see<br />
inside&<a title="Oracle - April 2011 page 1" href="http://viewer.zmags.com/publication/11af2be6?page=1">oracleApril 2011 </a> oracleApril 2011 <a title="Oracle - April 2011 page 2" href="http://viewer.zmags.com/publication/11af2be6?page=2">April 2011</a> April 2011<a title="Oracle - April 2011 page 3" href="http://viewer.zmags.com/publication/11af2be6?page=3">Technical Insight – for adviser use onlyoracleC</a> Technical Insight – for adviser use onlyoracleC<a title="Oracle - April 2011 page 4" href="http://viewer.zmags.com/publication/11af2be6?page=4">April 2011ForewordHello. Welcome to </a> April 2011ForewordHello. Welcome to <a title="Oracle - April 2011 page 5" href="http://viewer.zmags.com/publication/11af2be6?page=5">Technical Insight – for adviser use only</a> Technical Insight – for adviser use only<a title="Oracle - April 2011 page 6" href="http://viewer.zmags.com/publication/11af2be6?page=6">April 2011The 2011 Budget –the fuse is lit </a> April 2011The 2011 Budget –the fuse is lit <a title="Oracle - April 2011 page 7" href="http://viewer.zmags.com/publication/11af2be6?page=7">Technical Insight – for adviser use only</a> Technical Insight – for adviser use only<a title="Oracle - April 2011 page 8" href="http://viewer.zmags.com/publication/11af2be6?page=8">April 2011system. Many have highlighted</a> April 2011system. Many have highlighted<a title="Oracle - April 2011 page 9" href="http://viewer.zmags.com/publication/11af2be6?page=9">Technical Insight – for adviser use only</a> Technical Insight – for adviser use only<a title="Oracle - April 2011 page 10" href="http://viewer.zmags.com/publication/11af2be6?page=10">April 2011Decisions, decisions.</a> April 2011Decisions, decisions.<a title="Oracle - April 2011 page 11" href="http://viewer.zmags.com/publication/11af2be6?page=11">Technical Insight – for adviser use only</a> Technical Insight – for adviser use only<a title="Oracle - April 2011 page 12" href="http://viewer.zmags.com/publication/11af2be6?page=12">April 2011The changes are highlighted i</a> April 2011The changes are highlighted i<a title="Oracle - April 2011 page 13" href="http://viewer.zmags.com/publication/11af2be6?page=13">Technical Insight – for adviser use only</a> Technical Insight – for adviser use only<a title="Oracle - April 2011 page 14" href="http://viewer.zmags.com/publication/11af2be6?page=14">April 2011The flexible utopia?On the f</a> April 2011The flexible utopia?On the f<a title="Oracle - April 2011 page 15" href="http://viewer.zmags.com/publication/11af2be6?page=15">Technical Insight – for adviser use only</a> Technical Insight – for adviser use only<a title="Oracle - April 2011 page 16" href="http://viewer.zmags.com/publication/11af2be6?page=16">April 2011This leads us to drawdown –b</a> April 2011This leads us to drawdown –b<a title="Oracle - April 2011 page 17" href="http://viewer.zmags.com/publication/11af2be6?page=17">Technical Insight – for adviser use only</a> Technical Insight – for adviser use only<a title="Oracle - April 2011 page 18" href="http://viewer.zmags.com/publication/11af2be6?page=18">April 2011April 2011Making the most</a> April 2011April 2011Making the most<a title="Oracle - April 2011 page 19" href="http://viewer.zmags.com/publication/11af2be6?page=19">Technical Insight – for adviser use only</a> Technical Insight – for adviser use only<a title="Oracle - April 2011 page 20" href="http://viewer.zmags.com/publication/11af2be6?page=20">April 2011So what does this mean?Those</a> April 2011So what does this mean?Those<a title="Oracle - April 2011 page 21" href="http://viewer.zmags.com/publication/11af2be6?page=21">Technical Insight – for adviser use only</a> Technical Insight – for adviser use only<a title="Oracle - April 2011 page 22" href="http://viewer.zmags.com/publication/11af2be6?page=22">April 2011For those who are not registe</a> April 2011For those who are not registe<a title="Oracle - April 2011 page 23" href="http://viewer.zmags.com/publication/11af2be6?page=23">Technical Insight – for adviser use only</a> Technical Insight – for adviser use only<a title="Oracle - April 2011 page 24" href="http://viewer.zmags.com/publication/11af2be6?page=24">April 2011What if the annual </a> April 2011What if the annual <a title="Oracle - April 2011 page 25" href="http://viewer.zmags.com/publication/11af2be6?page=25">Technical Insight – for adviser use only</a> Technical Insight – for adviser use only<a title="Oracle - April 2011 page 26" href="http://viewer.zmags.com/publication/11af2be6?page=26">April 2011SummaryThere are key conside</a> April 2011SummaryThere are key conside<a title="Oracle - April 2011 page 27" href="http://viewer.zmags.com/publication/11af2be6?page=27">Technical Insight – for adviser use only</a> Technical Insight – for adviser use only<a title="Oracle - April 2011 page 28" href="http://viewer.zmags.com/publication/11af2be6?page=28">April 2011F cusTax focusOut of the Fryerin</a> April 2011F cusTax focusOut of the Fryerin<a title="Oracle - April 2011 page 29" href="http://viewer.zmags.com/publication/11af2be6?page=29">Most pension schemes would be“settled property” </a> Most pension schemes would be“settled property” <a title="Oracle - April 2011 page 30" href="http://viewer.zmags.com/publication/11af2be6?page=30">April 2011Here's an overview of the c</a> April 2011Here's an overview of the c<a title="Oracle - April 2011 page 31" href="http://viewer.zmags.com/publication/11af2be6?page=31">Technical Insight – for adviser use only</a> Technical Insight – for adviser use only<a title="Oracle - April 2011 page 32" href="http://viewer.zmags.com/publication/11af2be6?page=32">April 2011The new legislation from6 Ap</a> April 2011The new legislation from6 Ap<a title="Oracle - April 2011 page 33" href="http://viewer.zmags.com/publication/11af2be6?page=33">Technical Insight – for adviser use only</a> Technical Insight – for adviser use only<a title="Oracle - April 2011 page 34" href="http://viewer.zmags.com/publication/11af2be6?page=34">April 2011Research focusAIFA research s</a> April 2011Research focusAIFA research s<a title="Oracle - April 2011 page 35" href="http://viewer.zmags.com/publication/11af2be6?page=35">Technical Insight – for adviser use only</a> Technical Insight – for adviser use only<a title="Oracle - April 2011 page 36" href="http://viewer.zmags.com/publication/11af2be6?page=36">April 2011AIFA's benchmark studyIn Jun</a> April 2011AIFA's benchmark studyIn Jun<a title="Oracle - April 2011 page 37" href="http://viewer.zmags.com/publication/11af2be6?page=37">Technical Insight – for adviser use only</a> Technical Insight – for adviser use only<a title="Oracle - April 2011 page 38" href="http://viewer.zmags.com/publication/11af2be6?page=38">April 2011Low numbers of respondents al</a> April 2011Low numbers of respondents al<a title="Oracle - April 2011 page 39" href="http://viewer.zmags.com/publication/11af2be6?page=39">Technical Insight – for adviser use only</a> Technical Insight – for adviser use only<a title="Oracle - April 2011 page 40" href="http://viewer.zmags.com/publication/11af2be6?page=40">April 20113 Make clear the unclear </a> April 20113 Make clear the unclear <a title="Oracle - April 2011 page 41" href="http://viewer.zmags.com/publication/11af2be6?page=41">Technical Insight – for adviser use only</a> Technical Insight – for adviser use only<a title="Oracle - April 2011 page 42" href="http://viewer.zmags.com/publication/11af2be6?page=42">April 2011Sales focusDrawdown –de-risk</a> April 2011Sales focusDrawdown –de-risk<a title="Oracle - April 2011 page 43" href="http://viewer.zmags.com/publication/11af2be6?page=43">Technical Insight – for adviser use only</a> Technical Insight – for adviser use only<a title="Oracle - April 2011 page 44" href="http://viewer.zmags.com/publication/11af2be6?page=44">April 2011There is however an additiona</a> April 2011There is however an additiona<a title="Oracle - April 2011 page 45" href="http://viewer.zmags.com/publication/11af2be6?page=45">Technical Insight – for adviser use only</a> Technical Insight – for adviser use only<a title="Oracle - April 2011 page 46" href="http://viewer.zmags.com/publication/11af2be6?page=46">April 2011Alternative strategiesSo wha</a> April 2011Alternative strategiesSo wha<a title="Oracle - April 2011 page 47" href="http://viewer.zmags.com/publication/11af2be6?page=47">Technical Insight – for adviser use only</a> Technical Insight – for adviser use only<a title="Oracle - April 2011 page 48" href="http://viewer.zmags.com/publication/11af2be6?page=48">April 2011The current asset mix*of the </a> April 2011The current asset mix*of the <a title="Oracle - April 2011 page 49" href="http://viewer.zmags.com/publication/11af2be6?page=49">Technical Insight – for adviser use only</a> Technical Insight – for adviser use only<a title="Oracle - April 2011 page 50" href="http://viewer.zmags.com/publication/11af2be6?page=50">April 2011Business model focusIntroducin</a> April 2011Business model focusIntroducin<a title="Oracle - April 2011 page 51" href="http://viewer.zmags.com/publication/11af2be6?page=51">Technical Insight – for adviser use only</a> Technical Insight – for adviser use only<a title="Oracle - April 2011 page 52" href="http://viewer.zmags.com/publication/11af2be6?page=52">April 2011Contact UsSpeak to a techni</a> April 2011Contact UsSpeak to a techni<a title="Oracle - April 2011 page 53" href="http://viewer.zmags.com/publication/11af2be6?page=53">Technical Insight – for adviser use only</a> Technical Insight – for adviser use only<a title="Oracle - April 2011 page 54" href="http://viewer.zmags.com/publication/11af2be6?page=54">April 2011Client SupportThis edition inc</a> April 2011Client SupportThis edition inc<a title="Oracle - April 2011 page 55" href="http://viewer.zmags.com/publication/11af2be6?page=55">Technical Insight – for adviser use only</a> Technical Insight – for adviser use only<a title="Oracle - April 2011 page 56" href="http://viewer.zmags.com/publication/11af2be6?page=56">April 2011TheContributorsVince Smith</a> April 2011TheContributorsVince Smith<a title="Oracle - April 2011 page 57" href="http://viewer.zmags.com/publication/11af2be6?page=57">Technical Insight – for adviser use only</a> Technical Insight – for adviser use only<a title="Oracle - April 2011 page 58" href="http://viewer.zmags.com/publication/11af2be6?page=58">www.pruadviser.co.uk"Prudential" is a trading </a> www.pruadviser.co.uk"Prudential" is a trading