Pensions
Pensions
PENSIONS
The pensions market is an ever changing world, with new pensions legislation being brought out on a regular basis, it is difficult to keep track of what options are available with regard to your pension retirement planning.
- How much should I contribute to a pension?
- What sort of Pension plan should I start?
- Which Pension Provider offers the best value for money?
- What funds should I invest pensions in?
- How flexible will my plan be if my circumstances or job changes?
- What are the costs involved?
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Pension Contributions
Despite confusion created by pension providers, the fundamentals of a pension plan are simple. You put money into a savings fund, it hopefully grows in value and at retirement you convert the fund into a regular income payment.
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Reviewing your Pensions
- Are my existing pension plans still appropriate to my needs?
- How are the pension funds I invest in performing?
- When was the last time I reviewed my pension plans?
- What charges am I paying for my existing pension plans?
- Am I getting value for money?
- What are the alternatives?
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Approaching retirement
- Should I be consolidating any gains I have made with a change of funds?
- What happens to my Pensions if I die before retirement?
- What do the recent changes in Pensions Legislation mean to me?
- Does my policy carry any guarantees?
- What are the alternatives to buying an annuity?
- If my total fund is less than 15,000 how do I get the cash?
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Annuties
It takes many years of planning, saving and sacrifice to build up a significant pension, after all those years you want to be sure you are making the most of it. Your pension plan provider will be keen to give you a quote for the income that your pension will provide but it would be sensible to take a little time considering what to do and discuss it with our financial advisors.
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