Pension Performance Review
Our experience suggests there are three main reasons why a many pension plans under-perform. 1. The funds in most pension plans are not actively monitored by a financial adviser. 2. Most pension plans are not managed in line with a suitable asset allocation and risk profile. 3. Many people are not getting value for money because they are paying higher charges than necessary for the service they are getting. If you are concerned about the performance of your pension, the assets held within your pension or the value you getting then call us now on 01732 881188. Our Pension Performance Review can help get your pension planning back on track.
Pension Release
Pension release can be used to release tax free cash from your pension without the need to retire. Pension Release is a term used to describe releasing tax free cash from a pension. Sometimes referred to as Pension Unlocking. Always take expert advice before taking benefits from your pension. Early Pension Release will be suitable for most people so it is important that have all the facts before hand. However for those looking for tax free cash without the need to retire Pension Release might be suitable. Find out more about Unlocking Tax Free cash from your pension. Call us now on 01732 881188.
The Annuity Buying Process
Pension & Investment Volatility
Our short video above on the subject of stormy times ahead is somewhat poignant . Our view is that investment volatility is likely to be a theme of investment for some time to come. We think it will exaggerate and impact on the value of pension and investment portfolio's. Consider the following:
- Rising inflation: Conflicting sentiment with key parties having opposing interested is bound to create uncertainty. Compare the OECD's hawkish view to the Bank of England's view on inflation. Who is right? Although government no longer has the power to change interest rates they may be hoping that rates stay lower for longer. Higher inflation would after all diminish the value of government debt and help to boost the economy. Lets not forget that the government will be withdrawing massive spending which will need to be replaced by the private sector. David Cameron has been very public about his intention to boost business in Britain.
- The UK's largest trading partner in financial turmoil: How will the sovereign debts crisis in Europe pan out?
- Political pressure on Banks to increase reserves: If Banks need to keep more money in reserve how will they be able to lend more?
It is difficult to think of a time when so many conflicting issues directly impacting on asset values have been present. Markets are understandably nervous, manifesting in fluctuating asset values. Assets that are held within our pension and investment portfolio's.