A flexible approach to retirement planning
The M&G Wealth Platform brings investments, tax wrappers and portfolio management options together in one place. Helping you plan and manage retirement strategies with confidence.
Build around the client
The platform allows you to align pensions, investments and wider assets, creating a clearer foundation for planning. This supports more joined-up decisions, linking income needs today with longer-term objectives.
Adapt as retirement evolves
With control over income, asset sequencing and investment approach, you can adjust plans over time without needing to rework them. Supporting a more responsive, ongoing approach to retirement planning
Deliver flexibility and choice
With access to a wide range of investments and portfolio management styles, you can shape solutions around each client. You can choose any payment date between the 1st and 28th, with payments made monthly, quarterly, half-yearly or yearly.
Retirement planning in practice
The examples below show how retirement strategies can evolve, and how a flexible, adviser-led approach supports better outcomes over time.
- From growth to income
- Retirement and family wealth
Supporting the shift from growth to decumulation
Gareth, 57, Self-employed building contractor
Gareth has spent much of his career focused on growth. After years of building pension savings across multiple arrangements, his priorities are starting to change. While he expects to continue working for the next decade, he wants to simplify his pension landscape and begin preparing for how income could be taken in the future.
Rather than committing to a fixed retirement date or income plan, Gareth and his adviser are focused on preserving flexibility. The emphasis is on creating a portfolio that can gradually transition from growth to income, with scope to adjust investment risk, asset mix and income levels as circumstances evolve.
This is not a real life example or a recommendation
How the M&G Wealth Platform can help
- Pension consolidation to create a single planning base. Bringing multiple pensions together makes it easier to manage the shift from accumulation to decumulation without fragmenting strategies.
- No platform charges for holding a SIPP or trading funds and direct securities. Giving the freedom to rebalance, introduce income producing assets or adjust portfolios over time without cost becoming a constraint.
- Portfolio management choice. Supporting adviser led model portfolios, model portfolio services, and full discretionary management. Allowing different approaches to be used as the focus moves from growth to income.
- Smoothed funds to help manage volatility during transition. Used selectively to reduce the impact of market movements as income planning comes into sharper focus.
- Flexibility around taking benefits. Enabling advisers to shape when and how income is taken, while retaining the ability to continue longer term planning where appropriate.*
*Subject to HMRC rules.
Aligning retirement income with longer term family outcomes
Sophia, 61, Freelance management consultant
Sophia is approaching retirement with assets spread across pensions, ISAs and other investments. While she needs reliable and tax efficient income, her planning decisions also take account of wider family circumstances and longer term considerations.
Rather than viewing retirement income in isolation, Sophia and her adviser are considering how different wrappers are used over time. Decisions about which assets are drawn on first, and which are retained, form part of a broader approach that balances income needs today with flexibility for future family and estate planning under current UK rules.
This is not a real life example or a recommendation
How the M&G Wealth Platform can help
- Broad wrapper choice in one place. Supporting joined up planning across pensions, ISAs, Bonds and GIAs, allowing advisers to align income planning with longer term objectives rather than treating each wrapper separately.
- Sequencing and ongoing planning flexibility. Enabling adviser led decisions around which assets are used, and when, as circumstances and priorities evolve.
- Income focused investment approaches. Supporting DFMs and model portfolios that balance income requirements with the potential for retained assets to continue working over time.
- Smoothed funds to help manage volatility during transition. Used selectively to reduce the impact of market movements as income planning comes into sharper focus.
- Family linking and Junior ISAs. Helping reflect family relationships and intergenerational planning within a single platform structure.
References to tax and inheritance reflect UK legislation and planning context, not personal tax advice.
Diverse investment options
The M&G Wealth Platform houses a class-leading range of investment choices, meaning you can support your clients in meeting their personal retirement goals.
We offer a range of choices to support any growth strategy from one-stop multi-asset funds to theme-specific funds. You also have access to our MPS (model portfolio service) and DFMs (discretionary fund managers) to navigate markets and manage risk levels as wealth grows as retirement approaches allowing you to take full advantage of our entire range of products and services.
The value of any investment and any income taken from it can go down as well as up so your customer might not get back the amount they put in.
No two clients approach retirement in the same way. Priorities, timelines and plans differ and continue to evolve, creating a need for flexible, adviser led planning.
That’s where our platform comes in.
We give you the flexibility to build, adapt and refine retirement strategies over time. Balancing growth, income and longer term considerations as circumstances evolve. It’s not about defining one way to deliver retirement advice, it’s about making sure you have what you need to respond to each client’s situation as it develops.
Riccardo Spella, Sales Director, M&G Wealth Platform
Additional benefits of using the M&G Wealth Platform
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