Best possible retirement?
Could your pension mean more freedom and greater security than you are currently expecting? Discover all your options.
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Security vs flexibility in the world of pensions
Focused on your security?
Buying an annuity is still the most common way to guaranteeing an income for life. Although, annuity rates have generally declined over the last 10 years. Plus, it means selling your pension and losing ownership of your money. There’s a lot to consider and we can help you to make the right decision about your pension.
Focused on flexibility?
In the world of jargon the most flexible option is called pension drawdown. In plain English this means that you can take money from your pension as and when you choose.
When considering this option you need consider the level of investment risk that comes with it, something we can assess for you.
Looking for a bit of both?
You could use some of your savings to buy an annuity and keep the rest invested in pension drawdown.
Or, there are other ways to keep your pension options flexible while minimising the investment risk you are exposed to.
What about your legacy?
Want to pass on your income when you die? Buy an annuity and your options are limited. Drawdown products are much more flexible when it comes to who you leave your money to and how.
We can talk you through the best and most tax-efficient way for you to leave a legacy.
A refreshingly frank approach
There’s no unnecessary jargon for you to decipher, no home appointments for you to squeeze in and no commitment to pay anything without knowing what you are going to get. All we need are a few basic details to get started.
Good to know...
Guaranteed drawdown: the key facts
You can guarantee the income you get from your pension and retain ownership of your pot, with the freedom that brings.
Pension drawdown: the key facts
You can take money as and when you like from your pension giving you the freedom to adapt to the unexpected in life.
Buying an annuity: all you need to know
You can sell your pension pot to an insurance company in exchange for a guaranteed income for the rest of your life.