Should derivatives based products be used to enhance the yield in retirement products and how do annuities or variable annuities compare with (individualised) constant portfolio protection insurance (ICPPI or CPPI) products, were among the topics discussed at the Retirement & Insurance Investments panel at the 15th Annual Europe Structured Products & Derivatives conference at Etc.venues, County Hall, London on February 8. For retirement purposes, derivatives can be used, but only to a c

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