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Testimonials

Mr G of New Malden

"I am delighted with the service. I was surprised how complex my pension matter turned out to be but my adviser dealt with it admirably. Communication was just right and everything was explained in plain English. The charges were reasonable and I would be please to use Abacus Advice Ltd again."

Mr B of Rotherham

"I would just like to say how professional abacus advice ltd are,nothing is to much trouble for them,if they say they are going to call you,they do,if you don't understand anything they try to explain them in layman's terms,which makes it easier and you can contact them virtually anytime with any queries you may have,Mike Hardy the chap I dealt with was more like an old friend by the time my pension was all sorted,would definitely recommend this company to anyone,10/10 abacus advice,thank you."

Contact Details

Abacus Advice Limited
3 Station Road
Borough Green
Sevenoaks
Kent
TN15 8ER

Telephone 01732 881188
Fax 01732 881213
Email enquiries@aaltd.co.uk

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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

The first and most important question you have to ask is whether you want to buy an Annuity at all. Always remember that you cannot change your mind once you have bought an annuity so it is vital to make the right choice about your retirement income. Annuity rates will change according to the interest rate climate. Therefore, if you buying at a time in the market cycle when interest rates are particularly low, you may not want to invest your whole retirement fund immediately in an Annuity. There are other option which you should consider before making a choice including an "unsecured pension" (what used to be called income drawdown). If an Annuity is right for you then you will need to decide which type. Making the right choice will directly affect your retirement income now and in future. There are many available and choosing the right one can be complicated. Call us now for more information.

Client Money

Recently the Financial Services Authority announced a record fine for JP Morgans investment arm and Close Investments also Rowan Dartington. Although there is no suggestion of criminal offences their "failure to segregate" client money has landed them in hot water. It would be surprising if some of these companies clients are not a little concerned about this. For those that are, a solution might be to use the investment services of an IFA like us. We do not handle client money at all. All cheque's for investment are made out to the investment company and not to the IFA. Whilst it may not be practical for portfolio's running into tens of millions of pounds to be managed without permission to handle client money, IFA's choosing not to handle client money can manage large portfolio's perfectly well. If you have a portfolio valued between £200,000 and £10,000,000 and you do not want the worry of your investment money getting mixed up with your investment advisers money call us now on 01732 881188.

Investment News

Check out our news page. It contains video interviews with various fund managers and occasionally some commentary from "Mervyn King" the Governor of The Bank of England. These videos will change from time to time but they are up to date will help your get an insight into what investment fund managers are thinking and what issues they are facing.

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.

Quantifiable Investment Probability

Our solution is to help investors develop portfolio's that behave in a predicable way. We offer portfolio's suited to investors requirements regardless of their tolerance to investment risk. We have aggressive portfolios for the aggressive and cautious portfolios for the cautious plus a range in between. The common factor being that their values fluctuate within a range that is acceptable to the investor. This added predictability is a very valuable feature of the service we are offering. Our advice has never been more important hence our new strap line "Now More Than Ever". Click the video above.

Is Moving Your Work Pension a Good Idea?

Getting the answer to this one right can make a dramatic difference to you future wealth. The BBC recently produced an article on the subject. Is moving your work pension a good idea?To help you make your own decision whether or not to investigate your pension transfer options have a look at the following questions. CLICK HERE.

How Much Risk Are You Prepared For?

Do you know how much risk you are taking with your investments and do you know how much risk you are prepared to accept? Use our investment risk questionnaires to find out. Fill it in and then call us.

Assess your attitude to investment risk now

Improve Your Business Cash Flow

Many businesses and individuals are finding it hard during this current economic downturn so the theme of our latest news letter is accessing the cash in existing pensions. For businesses this can mean exchanging assets for the money help within pensions or it could mean borrowing from the pension. For individuals it could mean taking up to 25% of a pension fund as tax free cash. Our news letter covers all of these options and we hope you enjoy reading it. To download a copy simply click on the image to the left.

Pension Adviser Required

We are actively recruiting Pension IFA's and are looking for a high quality, experienced person holding full FPC plus 2 other pension or investment focused qualifications. Interested parties please call 01732 881188 or fill in this short form.

Paraplanner Required

We have a requirement for a paraplanner with exceptional organizational skills, intelligence and energy. Interested parties please call 01732 881188 or fill in this short form.