Pensions have received a bad press in recent years and this is unfortunate and in most instances unfair. For most of us, a pension remains the means by which we can enjoy a comfortable retirement.
Tax Efficiency
For most people, pensions are the most tax efficient savings plan they will have the opportunity to join. Ask us why?
Pension Returns
Pensions are really long term saving plans. Like all investments, some do well and others not so well.
Pensions should be reviewed regularly to ensure they are still on target and also to check that the underplaying investments fund is still performing adequately.
We can help to ensure your retirement really can be the TIME OF YOUR LIFE!
SIPP – Self Invested Personal Pension
A SIPP is actually a “wrapper” within which assets such as commercial property can be purchased and held within the pension.
When used correctly, a SIPP can enable individuals to purchase property for their retirement, in a tax efficient manner.
Before You Retire!.
When you are at least considering retiring, just pause. The company you have saved with over the years’, may not be offering you the best (annuity) monthly pension with your money. You have the right to literally “shop around” to find the best deal you can. The amount of money offered by the different pension companies, i.e. the monthly sum you will receive in retirement, can vary greatly.
Furthermore, the choice of options open to you, may seem confusing, e.g. 5 or 10 year guaranteed annuity, whether to include a pension for your spouse or not and the possible impact on claiming state benefits etc.
No one should consider actually retiring without seeking financial advice.
