Pensions

Your pension may possibly be the most important investment you ever make - so it is recommended that you take expert advice, both on accruing a fund over your working life and generating an income in retirement.

Your pension need not be funded solely by traditional methods, and we can work with you to provide alternative strategies.

A poor performing pension can reduce your retirement income considerably.  But, with a well funded and properly maintained pension fund, there's no reason why you shouldn't enjoy a well earned retirement.  If you are worried about the size of your pension fund we can advise you on topping it up with a personal pension or other suitable vehicles.

Where exactly you put your money is very important.  Most people choose the first fund offered to them by a provider.  But we can help you look at all the options, including unit-linked funds, guaranteed funds, OEICs and unit and investment trusts.

We are all unique, with different requirements and aspirations, particularly at retirement age.  In addition to traditional annuities, there are many other methods available including Phased Retirement, Unsecured Pension, and Self Invested Personal Pensions (SIPPs).

How much should you save each month?

For an idea of how much you need to put by each month to generate the income you will need in retirement, please go to planning tools where you will find a budget planner and pension calculator to assist you.