If you are looking for independent financial advice or not sure what pension you need contact us. Below are the types of pension services you can get advice on:
- Stakeholder
- New Pension
- Pension transfer
The pension funds mainly invest in assets such as:
- UK company shares (also known as equities or stocks and shares)
- International company shares (also known as equities or stocks and shares)
- Commercial property
- Fixed interest securities, gilts and bonds
- Cash and deposit-based funds
As well as choosing a fund or funds that invest in either a single asset or mix of assets, you can choose funds with different investment management styles. For example, you could invest part of your pension Plan in funds that concentrate on companies of a specific size or economic sector. Or, you can invest in our range of socially responsible funds, which actively invest in companies providing solutions to social and environmental problems. And, of course, our fund managers aim to achieve great performance too.
Bear in mind that with any stock market investment, the value of your investment can go down as well as up and is not guaranteed.
A pension is simply a method of saving for retirement. The Government offer tax advantages to encourage individuals and companies to invest in pensions for their retirement. The complexity of pensions has somewhat diminished since 6 April 2006, known as “A” day, when new pensions legislation was introduced. This means that the rules that apply to contributions and benefits are virtually the same across all types of pension schemes.
You can invest with a lump sum and/or regular savings and the sooner you start the sooner you will enjoy the tax advantages and also help to minimise any pension shortfall. Alternatively, if you have existing pension schemes that you would like us to look after then please let us know. We can also advise you whether you will be entitled to a full basic state pension when you retire.
An Independent Financial Adviser (IFA), we will their independence and expertise to find you the most appropriate pension for you based on your circumstances, needs, attitude to risk and objectives.
By using our pension enquiry form we will put you in touch with a fully qualified Independent Financial Adviser. Whether you are looking to start a new pension or transfer an exisiting one we would be happy to help. With are independence we can search the whole market a use the UK's leading pension providers including Norwich Union, Legal & General, Standard Life, Clerical Medical, Scottish Widows, AXA, Friends Provident and Scottish Equitable and many more.
The risks associated with different investments
The fund(s) that are most suitable for you will depend on what you have planned for your retirement and your attitude to risk/return. Risk is one of the most important factors when it comes to investing your money for the future. The key is to find the right balance between the amount of risk you're willing to take and the potential return you're likely to get over your investment period. If you have a long time to go before you retire, you might be prepared to take a greater risk for the potential of a greater return, but as you get closer to retirement you'll probably want to limit the amount of risk you take even though your potential return may be less. With the help of my financial advice, careful investment planning can help you to manage your risk/return effectively.
So what is meant by risk? All funds carry the risk that their value could drop below the value of the money you originally invest. This risk can be measured by the ‘volatility' of the fund, or the amount of ‘ups and downs' in its value. Typically, the more the value of an investment fund fluctuates, the higher the potential may be for gains or losses - often referred to as its risk/return, so understanding your attitude to risk/return is important.
A sample of the providers used:
