Build your own made-to-measure retirement solution

We can help you measure up what type of portfolio best suits your circumstances

A pension is one of the most tax-efficient ways of saving for retirement.

A Self-Invested Personal Pension (SIPP) is essentially a pension wrapper that is capable of holding investments and providing you with the same tax advantages as other personal pension plans. Continue reading “Build your own made-to-measure retirement solution”

Generate a bigger retirement income

Females could see a jump in pension income from 21 December

HM Revenue & Customs (HMRC) confirmed recently that gender neutral income factors will apply to capped income withdrawals. From 21 December 2012, the rates used to calculate the maximum amount of income a female can take from her pension each year in drawdown will be based on male life expectancy rates.
This could result in a significant increase, of around 8 per cent, in the maximum income withdrawal limit available to females. Continue reading “Generate a bigger retirement income”

Do you have protection for when you most need it?

Making the right decision to protect your personal and financial situation

With so many different protection options available, making the right decision to protect your personal and financial situation can seem overwhelming. There is a plethora of protection solutions which could help ensure that a lump sum, or a replacement income, becomes available to you in the event that it is needed. Continue reading “Do you have protection for when you most need it?”

Creating a wider spread of investments in your portfolio

If you require your money to provide the potential for capital growth or income, or a combination of both, provided you are willing to accept an element of risk pooled investments could just be the solution you are looking for. A pooled investment allows you to invest in a large, professionally managed portfolio of assets with many other investors. As a result of this, the risk is reduced due to the wider spread of investments in the portfolio.

A broad spread of instruments
Pooled investments are also sometimes called ‘collective investments’. The fund manager will choose a broad spread of instruments in which to invest, depending on their investment remit. The main asset classes available to invest in are shares, bonds, gilts, property and other specialist areas such as hedge funds or ‘guaranteed funds’. Continue reading “Creating a wider spread of investments in your portfolio”

Not putting all your eggs in one basket

The principal tenets of spreading risk

One of the principal tenets of spreading risk in your portfolio is to diversify your investments whatever the time of year. Diversification is the process of investing in areas that have little or no relation to each other. This is called a ‘low correlation’. Continue reading “Not putting all your eggs in one basket”

Are you utilising your pension savings efficiently?

A lack of planning could lead to an unexpected
55 per cent death tax on pension savings

A worrying number of people in retirement are not utilising their pension savings efficiently, according to statistics revealed by Skandia (30/07/12). This could result in their pension funds being subject to an unexpected 55 per cent tax charge on death. This tax charge could be avoided or reduced in many cases. Continue reading “Are you utilising your pension savings efficiently?”

Annuity challenge

Shopping around for the best deal could really pay off

An annuity provides you with a guaranteed income for life when you retire. You buy an annuity using a lump sum from your pension or, perhaps, from some savings. Annuities remove the worry about having to budget for an unknown period of time. We can help you understand the retirement process and find the right annuity for you. Continue reading “Annuity challenge”

The burden of tax in retirement

Savers need to consider all retirement income solutions in order to achieve a degree of certainty

The average UK pensioner household pays out 29 per cent of its income in retirement to the taxman through a combination of direct and indirect taxation, which adds up to an annual tax bill of nearly £42bn, new analysis
[1] from MetLife shows (25/07/12). Continue reading “The burden of tax in retirement”