Pensions are long term investments. Past performance is not a guide to future returns. The value of your investment can go down as well as up and you may not get back what you originally invested. Your eventual income may depend of the size of your fund at retirement, future interest rates and tax legislation.
Ever thought about what you would like to do when you retire and how you would like to spend those additional 40 hours per week now that you no longer have to go work? What goals or hobbies would you like to take up or dreams do you wish to follow now that you have the time? Ever thought of where the money will come from when you retire?
The importance of retirement planning today has never been more prevalent as evidenced with the increase in state pension age and the introduction of Auto Enrolment. We are in a period of increased longevity as medical science and also our living standards advance. Yet too many people are doing too little too late. Retirement can seem a long way off especially when you're young and most people still believe that the government will be able to provide for them in retirement!!! However, now more than ever before we will have to rely on ourselves to provide for our retirement rather than the state. This burden on the state is only set to increase as the 'baby boomer' generation are due to retire over the next few years, so it makes sense to start saving now. Planning now will hopefully allow you to live your dream lifestyle in retirement and more importantly remove your financial worries in retirement. But you may only secure the income you'll need if you start saving early enough.
At FAFS, we take an objective look at your current situation, assessing your existing arrangements (if any) with a view to their continuing suitability and formulating detailed proposals on any alternative or additional provisions that might be necessary to make. Furthermore, we'll continue to monitor the performance of your underlying investments, helping ensure you always benefit from the optimum returns to make certain your portfolio offers the best value for money both now and in the future.
- Personal Pensions
- Company Schemes and Group Personal Pensions
- Phased Retirement
- Income drawdown
Please feel free to contact us for more information on the above or on all your retirement planning options.
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First Alliance Financial Services
Millenium Bridge House
2 Lambeth Hill
0203 0123 237