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Choosing the right retirement product for a client is one of the hardest decisions an adviser will face when constructing a portfolio. Gareth James looks at the SIPP vs PP debate, uncovering why SIPPs can be a lot more cost effective than first thought. We live and work in a heavily regulated environment and with the introduction of RDR it all makes the long standing SIPP versus personal pension (PP) debate more interesting. As part of the research AJ Bell carries out, Sippcentre advisers are asked to confirm the key drivers for their pension recommendations each year and time and… continue reading