CREATE A PROGRESSIVE INVESTMENT STRATEGY
The road to retirement
Financial planning is often described as a journey, and this is especially true for retirement planning. Journeys are typically in two stages – planning, then buying the ticket and enjoying them. Retirement has the same separation – there are many common goals and terms, but with very different objectives and problems to overcome.
Planning the journey to retirement
Retirement is not at the forefront of most people’s minds when they are young. However, the earlier you start to plan for your retirement, the better – a pound saved early in a retirement plan has more time to gain value than one invested close to a planned retirement date. There is far more to retirement planning than making the most of the pension tax relief allowances offered by the government.
The planning stage needs to be supported by a progressive investment strategy that ensures your savings are working to help you reach your expected retirement plan on time. Our cashflow projections will help you understand whether you are on track, then we’ll develop a strategy with you that incorporates: a pension plan (long-term savings), ISAs (medium / long-term savings) and short-term assets for access in an emergency.
To ensure you remain on track once your strategy is in place, we will look at protecting the income stream that funds your retirement planning. We also issue regular investment reports that clearly demonstrate the performance of your pension investments, so you can check that they continue to meet your expectations and are on track to meet your own personal goals.
RETIREMENT PLANNING SERVICES INCLUDE:
- Cashflow forecasting
- Self-Invested Personal Pensions (SIPPs)
- SIPP commercial property
- Personal pensions
- Qualifying Recognised Overseas Pension Schemes (QROPS)
- Individual Savings Accounts (ISAs)
- Venture Capital Trusts (VCTs)
- Onshore investment bonds
- Offshore investment bonds
- Stocks and shares
- Pension consolidation
- Investment accumulation strategies
MOST SUITABLE FOR:
- Individuals with pension savings of £100,000
- Individuals able to contribute £750 per month
- Business owners