How to solve your pension puzzle by saving time and money


When was the last time a puzzle bamboozled you? Did you keep an air of measured calm? Or did you want to launch the offending item across the room? And these are just the puzzles we choose to do for fun. It’s the puzzles that are forced upon us that are the most infuriating, especially those that can cause damage if left unsolved.

Take pensions, for example. Something so important should be easy to check. Yet all that paperwork, the unfathomable language and the endless fog of numbers. It’s no wonder people put off checking their pension “for another day”.

The problem is, there will come a day when it’s too late to do anything about your pension if the money in your pot is less than it could have been. Thankfully, this is one puzzle you can still get help with. It’s not too late to check your pension, and doing so is easier than you might think.


Are you being charged too much?

If your pension is old, or just plain expensive, it could be costing you thousands. Reducing your pension charges by just 1% a year could mean an extra £25,000 in your pot in 20 years’ time1. What could that mean for you and your family in the future?


Let someone else do all the hard work for you

A good regulated adviser only needs a few simple details to start to compare your current pension with the best modern schemes on the market. Your name and address. Your National Insurance number and, if possible, the name of your current pension provider.

They will then analyse what you currently have, crunch the numbers and work out your attitude to investment risk before making a recommendation for your pension, in clear, plain English. And the best part is, with the right adviser – like Portafina - it won’t cost you a penny to get this level of clarity.


Claim your free pensions information packPension guide

What's covered:

  • A deliciously quick overview of what types of pension you might have
  • The reasons why a transfer could be right for you
  • Industry phrases and what they mean
  • How our approach is different to most, if not all, financial advisers


Just 2-3 minutes could transform your future plans

We have already helped over 12,000 people to be absolutely clear about their pension. Each person started by spending just 2-3 minutes completing a short, simple form. We then did all of the hard work for them and sent a clear report, showing them in black and white what we think they should do with their pot. And we could do the same for you, too.

It might be that your current pension is doing just fine. If that’s the case we’ll recommend you stay put, we won’t charge you for the work we have done and you get peace of mind that everything is on track.

If we think there is a better-suited scheme for you, we will explain in your report how much of your pension it would cost to follow our advice and make the switch, and why we think that it will pay dividends in the long run. And if you give us the go-ahead we will sort everything out for you. Or, you can walk away and not have to pay us a thing.

Let us solve your pension puzzle for you

It’s really easy to ignore your pension puzzle. We get why. Pensions can feel far off and remote compared to the many things in life that demand our attention right away. Yet, even if you don’t need these savings right now, what if your pot is leaking money every day?

The simple fact is, more money in your pot means you’ll be able to do more of the things you want to do in the future. And the immediate payoff for checking your pension now is certainty: the knowledge that everything is as it should be and you are in control.

We look after over

£1/2 billion

for our clients

Full advice with

zero obligation

to pay us

Our advisers have the

highest

industry accreditation

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What is a no obligation pension review?

You won’t have to pay us a penny to find out what we think you should do with your pension and what any proposed changes could mean for you.

 

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Finding old pensions changed Mark’s future

Mark wanted us to find his pensions from previous jobs. Tracking them down gave him almost £20,000 more for the future.

 

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Pension switching: all you need to know

By switching to a modern pension now you could boost your savings and be free to do all the things you want to do in the future.

 

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Frequently asked questions

Important information

1Based on a £50,000 sum at onset, growing at 6% per year before charges of 0.5% and 1.5% are applied.

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