Retirement might still seem like a lifetime away and whilst we are all feeling the effect of the tough economic conditions, starting a pension will be one of the most important future life changing decisions you will make. You could end up spending more than 30 years in retirement therefore it is more important than ever to save into a pension and even a small amount saved now could make a big difference to the lifestyle you will have when you retire.
Don't leave your pension planning too late, contact us for a personal appraisal of your pension situation. (Pension legislation is subject to further change.)
There are a number of tax efficient ways to provide for your retirement and here at Sweetland Associates we can provide you with a 'no obligation' discussion about your pension arrangements.
The following are some of the main types of pension contracts:
Stakeholder pension
Personal Pension Plan (PPP's)
Group Personal Pension Plans
Employers Schemes (Occupational Pensions)
Self Invested Personal Pension Plan (SIPP's)
Pensions with Guarantees
It is important to know how to maximise the income (& Capital) from your pension arrangements (and other assets). Very often the money you will receive from your existing pension provider will not yield the best possible income and only professional advice is likely to give you the solution that is tailored to your needs. Sweetland Associates can provide detailed advice following a thorough financial review which will take into consideration your personal circumstances, tax efficiency, inheritance tax, your beneficiaries, flexibility and of course control.
Some of the main contracts available for drawing your pension benefits are:
Annuities (including Impaired Life Annuities)
Phased Retirement
Drawdown Pension
Flexible Pensions
To discuss your aspirations, or if you have any concerns please call us on 01633 246246.
A pension is a long term investment. The fund value may fluctuate and go down as well as up.
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Sweetland Associates Ltd
Insurance House
58 Caerau Road
Newport
NP20 4HH
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Registered office address: 24 Bridge Street Newport South Wales NP20 4SF Telephone Number: 01633 246246
Email address: sweetlandifa@btconnect.com
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