Fresh thinking on how to avoid the hazards of decumulation

By Lora Benson | Aug 06, 2018
Measuring and quantifying sustainable withdrawal rates can be a challenge as each retiree has different needs. Our Think report provides fresh insights on how to develop a consistent, robust approach for every retiree and manage the known unknowns.

The retirement income landscape has changed significantly in recent years, giving people and their advisers greater freedom. But with greater freedom comes greater responsibility.

Investment strategies that work in the accumulation phase (climbing the mountain) may not make sense in the decumulation phase (descending the mountain).

Drawdown gives people flexibility with their pension funds but it also brings exposure to all the longevity and investment risks that were previously borne by insurance companies and employer pension schemes.

Unless these are addressed, people’s pension funds are unlikely to last as long as they do.

And it’s an issue that could affect more people. Figures published by the Office of National Statistics in May 2018 show the number of people in England aged over-65 is projected to grow by 19% between mid-2016 and mid-2026.

Our De-risk Decumulation initiative will bring you new insight, ideas and concepts to
help you develop effective retirement income strategies for your clients.

Read the report

Just Retirement


Just is the new name for Partnership and Just Retirement.

It’s an exciting new brand which represents the heritage, legacy, passion, purpose and vision of our new organisation. We’re rethinking retirement, and we’d love to start a new conversation about retirement with you.

Just is honest and moral with a strong social purpose. A beacon within financial services. We believe everyone deserves a fair, secure and fulfilling retirement, and that financial intermediaries are best placed to help people with the choices they need to make to achieve this.

Just is a trading name of Just Retirement Limited, Just Retirement Money Limited, Partnership Life Assurance Company Limited and Partnership Home Loans Limited which are subsidiary companies of JRP Group plc. JRP Group plc was formed by the merger between Just Retirement Group and Partnership Assurance Group in 2016. For more details about the JRP Group please visit:

We are one of the UK’s leading providers of specialist financial services solutions, completely focused on meeting the needs of people thinking about, approaching, or in retirement. Let's have a new conversation about retirement