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Find the Best Pension for You
Getting your Retirement planning right can
be difficult and complex. Whether you are
looking to set up your first pension, transfer
your current pension or just about to
retire, it makes sense to talk to an expert to
maximise your benefits.

How else Can We Help?
If you have a pension, our experts will
prepare for you a FREE comprehensive report
with in-depth analysis on your current
pensions along with the level of risk
exposure and the current cash value.
This information will assist in planning for
a wealthier retirement and ensure thatyour money works hard for you.

Find the Best Pension for You

Like most things these days, its best to shop around.
Every Pension provider has different charges and performance.
You should also consider your attitude to risk and discuss
this with your provider or broker. Some Pensions are
invested in funds providing predictable but low returns
are generally low risk investments whilst others are
higher risk, but carry the potential of greater returns.

Why have a Pension?

After you've retired you'll still need an income and a
pension can provide that. The state pension provides
some level of income, but if you're looking for more
than that you might need another pension of your own.

The basic state single pension is just £90.70 a week
for the 2008/09 tax year and you can currently claim
this when you reach the official retirement ages of
65 for men and 60 for women. Many people may find this
is not enough to pay for food and bills let alone holidays
birthdays and any those little extras that make life enjoyable.

A properly planned pension can allow you to enjoy a similar
or even better standard of living in retirement as you do now.

Pension Funds

A pension fund is a pool of assets forming an independent
legal entity that are bought with the contributions to a
pension plan for the exclusive purpose of financing pension
plan benefits.

Work Pensions

A work pension (or company pension) is a scheme that
accumulates during your working life in conjunction
with your employer. These schemes usually require
you to make regular pension contributions based on a
percentage of your salary and the employer will in
most cases match the level of contribution that you make.

State Pensions

A State Pension - also known as a Government Pension is
a pension that is paid by the government when they reach
state pension or retirement age it is accumulated during an
individuals lifetime.
It is based on the individual's National Insurance contributions
(NI) made throughout their working life.
Personal Stakeholder Pensions

A Stakeholder Pension is a low cost pension. It has to
follow government rules on charges, access and terms,
offering complete simplicity and transparency.

Pensions Tax

Pension tax is the rate of tax payable on pension
annuity income, normally deducted by the annuity
company before payment of the nett annuity amount.

Self Invested Personal Pension

A SIPP or Self Invested Personal Pension is a type of
personal pension scheme which gives you control over
the investment decisions that determine how funds are
invested.

Private Pension

A private pension is a pension that an individual arranges
themselves and is not connected to their employer.
The value of the pension will be dependent on its
performance and the amount invested.

Pension drawdown or Income Drawdown Pension

A pension drawdown plan allows the individual to take
benefits from his accumulated pension in a much more
flexible way. Drawdown has many advantages but the
important are; income flexibility, investment control
and choice of death benefit. Before making a decision
regarding pension drawdown learn more about pension
annuities, compare annuity rates, and secure a
personalised annuity quote offering guaranteed rates.

Pensions Tax

Pension tax is the tax due on a pension annuity income,
usually deducted by the annuity provider before payment
of the net annuity amount.

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