Constructing a retirement portfolio can be complex – how important is it to maximise the client’s retirement income while managing the risks to the sustainability of their income and the need for flexibility as their circumstances change? The future is now and the ability to create certainty and confidence via easy access to new and innovative retirement solutions will be critical. I believe retirement strategies must adapt in line with markets and demographics trends and the additional risks that are relevant for investors in decumulation. Retirement income products of the fu...